Dirt Cheap Auto Insurance -- Time-Tested Tips

It's quite very easy for you to get the right car insurance coverage at a low price. You just need the right recommendations and the motivation to implement what you'll be taught to get a more affordable rate. Here is a list of steps that will help you achieve this goal...

1. If you maintain collision and/or comprehensive for an old car that isn't a classic, then you are paying much more than is necessary. This is because you're paid compensation based on what is called the Kelly Blue Book value of your car at the time you file a claim. This means that not minding how much you spen on premiums and the number of years you did, you may get NOT a dime if the book shows your vehicle is worth nothing when you make a claim.

Do the wise thing and remove both of them from your auto insurance policy. If you do this you'll pay a lot less.

2. Move up your deductible and you will get more affordable rates. It makes sense to have a deductible that is as high as possible but also within easy reach for you.

I must stress that you're bound by law to provide this amount if you ever make a claim.

3. Drive as little as as you can since it will bring down your mileage and get you a low mileage discount. This certainly is the way to go if you reside in a city where you can take advantage of modern mass transit networks.

You can also cut down your mileage by carpooling.

4. The most important route to reasonable savings in auto insurance is comparison shopping -- That's if you do it correctly. You can get quotes that will have a difference that exceeds $1,000. You could quickly save so much by simply going with the lowest quote. This should apply if you're just after the lowest price.

However, if you want the best price/value then you'd have to look at the details of the lowest offers. Different insurance companies may have different exclusions for similar policies. It's wise to ask the agent what's part of the deal and what's not.

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