Really Cheap Auto Insurance -- 4 Tips

How easy is it to get dirt cheap auto insurance? The answer is "It depends on what you know." Those who have the time and inclination will take you that you can find up to 50 or more tips that will lead to superior coverage at cheaper rates. Since it's NOT practical to share all in just one article, I'll discuss only 4 tips here. But do note that you'll only benefit from them if you take the time to apply them...

1. An excellent credit rating will reflect in your favour with respect to your auto insurance rate. A poor credit record will cost you in higher auto insurance rates. The simple reason for this is that there's a general consensus among most insurance carriers that there is a correlation between bad credit histories and high risks. Once you are seen as bad risk you'll invite higher auto insurance premiums.

2. Staying loyal to one insurance company for any period will surely get you savings. You'll get discounts of about 5 percent on your auto insurance if you stick to the same insurer for up to 3 years. A longer stay will result in more discounts.

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let's assume, that you are given a 5% (or $125) discount after your third year with an insurer where you current auto insurance rate is $2,500.

Within the course of these 3 years you would most likely get an insurer who'll give you a comparable auto insurance coverage or better for less than $2,000. In such a case, it is of no value to continue because you are after a discount years later when you can pay less immediately.

3. Getting your auto insurance from the same insurer who provides your other insurance policies will get you a discount in auto insurance premium. it's called a multi-policy discount.

Although you can save a lot with a multi-policy discount, you may realize much more savings by buying your different policies from different insurance companies.

4. You can get savings of over $2,000 on your insurance policy by obtaining auto insurance quotes from quote sites and then comparing them thoroughly.

It's normal to see differences of a couple of thousands in the range of quotes obtained for a given profile.

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