Auto Insurance -- Ways To Get It Cheap

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.

The accident forgiveness discount means that your insurer will not raise your rates if you file just one claim. Insurers offer these as incentives to keep you with them since it serves them better too.

But it will only be right for me to also point out that in spite of these incentives, you might actually gain more if you switch to another insurer.

You'll help reduce your rates if you always ensure you park your car in a safe place. .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.

Also make sure that your car is always parked in a well-lit area. It's certainly not a good idea to leave your car in the open street all through the night.

Being part of associations, especially the big ones, will get you discounts on your auto insurance. It makes sense for an auto insurer to give group discounts to an association that has a large membership. So check, one of those associations might have discounts you can take advantage of.

Do your best to always drive responsibly. It's a wise idea to NOT drive at all if you've taken alcohol (even if it's simply a sip.

If you're convicted for driving under the influence (DUI) you'll NOT see affordable rates for some years. And don't forget little things like speeding tickets because they cost you far more than what you pay as fines. They add up to increase your rate. Therefore, if it's breaking traffic laws, avoid it no matter how negligible it may seem at the moment.

If you live in an urban area do your best to use the public transport system as much as possible. This simple action will help you reduce your mileage. And since mileage is a strong factor that determines your premium, you'll attract more affordable rates. Therefore, don't use your car whenever it makes sense to do so.

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You can realize savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from quote sites. The best strategy is to visit at least five sites and making sure that you input the same (correct) information about yourself.

I advise that you visit at least five quotes sites since that will ensure you do not miss out offers not presented by the other sites. This provides you a broader basis for doing more extensive comparisons thus increasing your chances of better quotes.