Low Cost Auto Insurance -- 5 Additional Proven Ways

Are you interested in sure-fire steps to enjoy cheap rates for coverage that won't cause you heartache down the road? Then read through and implement the following well-proven time-tested steps to getting better rates...

1. Folks who ignorantly buy either collision or comprehensive coverage or both for an old car that is not considered a classic are simply pay far more than should. Your car's Kelly Blue Book value at the time of a claim (and not the value of the car when you bought it) is what determines what you'll get from your insurer. Therefore, you'll get nothing if the book says your car is worth nothing at the time of a claim.

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

2. You'll get a more affordable rate if you select high deductibles. The right approach is to go for the highest deductible that you can afford with relative ease.

Just bear in mind that this is the amount you'll have to contribute if you file a claim.

3. Drive as little as possible it will lower your mileage and get you a low mileage discount. This is particularly true for those of us who live in cities with standard mass transit systems.

Carpooling is also another smart way of reducing your mileage.

4. We all know that no age bracket pays as much for auto insurance as those who are below 25 years of age. But for drivers who find themselves in this age bracket, having good grades at school will go a long way to help you enjoy more affordable rates.

You have to maintain a grade point not lower than B to get this good student discount. For young drivers who qualify, you can expect discounts of about five percent. This discount is given because insurers claim there is a correlation between good grades and a young driver's composure while driving. Students who maintain excellent grades are usually seen as more responsible and less prone to recklessness behind wheels.

5. Make out some time to visit at least 5 insurance quotes sites that provide quotes on auto insurance policies. This will take you not more than 25 minutes.

As you visit each site, ensure you give the same information. Doing otherwise will return misleading results. When you've obtained your auto insurance quotes, compare them to see which serves your interest best both in price and value.

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