Reprinted Articles

Affordable auto insurance rates: It’s really very easy for everyone to buy the right coverage for a lot less. The two things that stand between you and attracting a cheaper rate at the moment are relevant information and a resolve to make use of the information you get — Period. Let’s get into the tips you need to attract more affordable rates…

1. Features like automatic gas cut-off, alarms and other anti-theft devices are encouraged. Since they reduce the likelihood of your car being stolen they attract a reasonable discount. Cars without such devices are easy targets for thieving rats.

2. You might be paying a lot more than you should because of some really unnecessary add-ons like towing. Do you know that your credit card company might have already given you towing as an extra benefit?

Even if this is not the case with your credit card company, you’ll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

3. Stay claims-free for more than three years and most insurers will give you a special discount. Here’s a tip: Even though you might have cause to make a claim, don’t if they are minor issues.

So check what it will cost you to fix the problem and what you’ll gain with a No Claims discount and choose whichever will serve your best interest.

4. Take it upon yourself to ask your agent about all the discounts possible with with your present insurer. There is a possibility that your agent did not remember to tell you about some.

You will lower the odds of this happening to you if you take the pains to ask your agent point blank to tell you of every discount that is obtainable. You might be surprised at discounts you’ve not taken advantage of.

5. Given similar circumstances, an insurer will give a female driver a cheaper rate than her male counterpart. Married couples can take advantage of this by having their cars insured in the lady’s name with the man as the secondary driver.

Although this might not go down well with some men folks, it will help reduce what your family pays for auto insurance.

6. Doing business online is cheaper and more efficient. This also applies to buying and selling auto insurance. Expect to save up to 15% (when compared to what you’ll pay if you went to a physical office) if you get your quotes and buy your policy online. This makes it obvious that you’ll save a lot more if you buy online.

But don’t forget this: Do your utmost to present your details truthfully. If you try to cheat you’ll lose big time on the long run (Your insurer will be covered by the law if they cancel your policy on the grounds that you misrepresented facts).

Don’t also forget to confirm your preferred insurer’s rating and standing with your state’s department of insurance and other financial rating institutions.

7. You can get lower quotes on auto insurance today by visiting at least five insurance quotes sites. Each site will require about 5 minutes or less to obtain quotes. It’s as simple as that. However, you could make savings hundreds of dollars.

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Tags: Auto Insurance