Auto Insurance Quotes — Tips For Cheaper Rates

By Chimezirim Gabriel Odimba in Auto Insurance on April 12th, 2008

-->

by Chimezirim Gabriel Odimba

Auto insurance quotes: Are you interested in proven ways to get cheap rates for coverage that won’t compromise you? Then read through and implement the following well-proven time-tested tips for getting better rates…

1. You’ll also get a reasonable discount if you have more than one policy with the same insurer. That is, for example, if you buy your auto policy from the same insurer who caters for your home insurance.

However, care has to be taken because the fact that an insurer offered you great rates for one policy doesn’t mean they will for another. Do some research with quotes sites and then discuss with your agent. That way you’ll be able to determine if this will be to your advantage.

2. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. Have you checked to see if your credit card doesn’t already offer this as added value?

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. Do your best to represent the facts exactly the way they are. Insurance fraud costs us all. Furthermore, an insurer has the right to cancel your policy if you give false details.

I hope you know that this will invariably make you a higher risk and this means you’ll pay more for your next policy. Insurers increase your rates by a good margin once you’ve let your auto insurance policy lapse or had it cancelled for reasons like this.

It’s been estimated that insurance fraud adds up to $1,500 to the average family’s insurance premium annually. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

4. Make sure your auto insurance policy is not allowed to lapse for any reason..Folks who allow this to befall them pay more expensive rates for a long time.

It’s easy for this to happen to some people as they are changing to another insurer.

To avoid a lapse, make sure that the new policy is fully in force before you cancel the previous one. It appears to be simple but, believe it or not, a lot of individuals are paying a lot more just because they were negligent in this.

5. You’ll help reduce your rates if you always ensure you park your car in a safe place. This means that you have to do all within your power to NOT park your car in a red light district.

I hope you also know that you’ll pay less if you have a garage for your car. And, lest I forget, if you drive out in the night do your best to have your car parked in a well-lit area. That will deter thieves.

6. Get and compare many auto insurance quotes from at least five reputable quotes sites if you want to make massive savings. Getting your quotes from many sites make it more likely that you’ll find better rates.

Just think of it yourself: Who would be in a better position to find cheaper rates? A person who gets quotes from just five insurers (Which is the number most quotes sites return) and another who gets quotes from 50 insurers?

About the Author:

Here is a resource you’d have to spend a few minutes on if you’re really committed to massive savings: Cheap Auto Insurance Online Quotes. Chimezirim Odimba writes on insurance.