Cheaper Motor Car Insurance -- Tips For Bigger Savings

Contrary to what you might be made to believe, it is a lot easy to position yourself for a lower rate. The two things that that keep you from attracting a better rate now are relevant information and a determination to use the information you get -- Period. Let's look at a few time-tested ways to get this done...

1. One good way to make sure you get cheaper rates is by being careful every time you're behind wheels. Please, ensure that you make it a policy not to drive if you even sip any alcoholic beverage.

Driving while drunk, howbeit slightly will make you get very expensive rates if you're lucky or be compelled to be without auto insurance if luck isn't on your side. Even little things like speeding tickets do add up to make you pay higher rates on the long run. You'll be helping yourself if you obey all traffic laws at all times.

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2. You can lower your rates by going for a multi-vehicle discount. It makes sense to insure all your cars with the same insurer unless got a better rate for a number of your cars with another insurer. You can ensure you are making the right choice by doing serious comparison shopping. Insuring more than one vehicle with the same insurance company will always result in a good discount.

3. A multi-policy discount is a good option to lower your total insurance spend. All you must do to become eligible for this discount is to buy your auto insurance policy from the very company which is handling, say, your homeowner insurance.

However, bear in mind that you might be better served if you buy your different policies from different carriers who give you the cheapest quotes for each policy. It is worthwhile that you comparison shop. You will be sure of the right choice for you after you take this step.

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4. There is something called the "good driver discount." It is for drivers who have not made claims for 3 years and more. But don't be alarmed if your insurance agent tells you your car insurance provider does not give this discount.

If your agent says that they do NOT offer this discount indicate that you might go to another insurer. Take it or leave it, every insurance provider likes having drivers who stay claims free for these number of years and you shouldn't have any difficulty getting lower rates with a host of other insurers.

Most insurers will do everything within their powers to be certain they do NOT lose a prized policyholder and this will likely draw a compromise on their part.

5. Car owners who due to their level of understanding maintain either collision or comprehensive coverage types or the two for an old vehicle that's NOT considered a classic are simply paying a lot more than would serve any useful purpose. The rationale behind this is that insurers base the compensation they pay on what is referred to as the Kelly Blue Book value of a vehicle when you file claims. This shows that without considering the amount you paid and the length of time you did, you may get NOT even a cent if that book shows the vehicle is not worth anything when you make a claim.

So, stop wasting your money. The moment a vehicle becomes old, stop collision and comprehensive coverage on it. Doing this will give you much savings and not put you at risk in any way.

6. Opting for higher deductibles is a sure way to land better rates. The right approach is to select the highest deductible that you can pay with a measure of ease.

I must remind you that you're bound by law to contribute this much whenever you make a claim.

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7. Drive as little as possible since it will lower your mileage and make you eligible for a low mileage discount. This certainly advisable if you live in a city where you can use modern mass transit networks.

You can equally cut down your mileage by joining a carpool.

8. You can reduce your auto insurance costs by getting and comparing quotes from at least five good insurance quotes sites.

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