Tips To Qualify For Cheaper Automobile Insurance Quotes

People who have discovered the right steps to take don't have any problems getting the most affordable rates without downgrading the quality of coverage they get. I'll show a number of steps to take if you want massive savings that won't put you and yours at risk...

1. Electronic Funds Transfer (EFT) is a painless way to lower your rate. This authorizes your insurance company to automatically withdraw your premiums from your account when due. This saves your insurer in many ways including removing the cost of mailing payment notices and the cost associated with processing checks. Your premium is therefore lowered to reflect the cheaper cost of providing insurance to you.

2. Under-25 drivers get higher rates than any other age group. Even in this age bracket, a 23-year old driver will pay much less than a 17 year old all other things being equal.

This means that you'll help keep your rates down if you do NOT have a teen driver on your policy. It will have an adverse effect on your rate. You can discuss with your agent about signing an exclusion form so that your teen driver can have his/her own auto policy.

If a teen is keen on driving then then should be made responsible for at least the cost of their auto insurance. An addition argument in favor of this is that your teen will be more willing to take measures to reduce what he or she pays. The full implication of this is that your teen will be a lot safer as they'd do their best to avoid inflating their rates.

3. The longer you stick with the same insurer the more you stand to gain for two reasons: The long term discount and accident forgiveness. Depending on the insurer, you'll be eligible for a discount of 5% once you've stayed with them for between three and five years.

Furthermore, if a long term policy holder files just one claim, most insurers will NOT raise their rates thereafter. It makes sense for the insurer as it is cheaper to give discounts to existing policy holders than to acquire new ones. The longer you stay, the more you'll save.

However, what you may save by switching to another insurer might far outweigh all the incentives you'll get depending on what your rates are and how much another insurer is ready to offer.

4. Add-ons like towing raise your premium without giving you as much value as using a towing service. Do you know that your credit card company might have already given you towing as an extra benefit?

Overall, you're better off using a third pary towing service than placing it on your auto insurance policy.

5. Don't make the mistake of parking your car in places where it won't be safe. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. Parking your car in a garage will help you reduce your rate over time.

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. It's certainly not a good idea to leave your car in the open street all through the night.

6. Visit a minimum of five insurance quotes sites. Using not less than five quotes sites increase the chances that you would get more affordable auto insurance quotes. This is because insurance companies not covered by one site would be covered by another.

Moreover, you know that since the likelihood of getting cheaper auto insurance quotes is proportional the range of quotes you receive, the more companies you get quotes from, the higher your chances will be.

Requesting for your auto insurance quotes online will help you save far more if you take out only 25 minutes to ask for quotes from at least five insurance quotes sites.

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