Affordable Motor Car Insurance -- Advice For Bigger Savings

You can enjoy high value coverage without paying top price. You only need the right recommendations and the discipline to practice what you'll be taught to get a better rate. Let's look at a number of proven ways to get better rates...

1. Do your best to always drive carefully. Please, make sure you make it a personal principle to NOT drive if you even sip any alcoholic beverage.

Traffic offences that are associated to having more than the permissible level of alcohol in your blood invariably make you attract quite astronomical rates. Even little things like speeding tickets do add up to make you pay more expensive rates over time. Therefore, if it's a violation of traffic laws, avoid it notwithstanding how minor it may seem at the moment.

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2. Folks who have more than one vehicle will make huge savings if they insure all those cars with the same insurer. You are only advised to do otherwise if the sum of your rates with different insurers is lower than what you'll be given with a multi-vehicle discount if you buy from one insurer. You can be sure by first doing a little research before taking this step. Insuring more than one vehicle with the same insurer will always give a decent discount.

3. You'll equally be eligible for a reasonable discount if you have more than one policy with the same insurance company. That's, for example, if you buy an auto policy from the very insurer that underwrites your home insurance.

However, care has to be taken because the fact that an insurance company gave you great rates for one policy doesn't mean they will for another one. Do comparison shopping with quotes sites and then have a chat with your insurance agent. Once you do this, you won't be guessing as you choose which to do because you're positive about which saves you more.

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4. Remaining without making claims will result in a good driver discount. But take note that not all providers present this discount.

Your agent should be made to understand your displeasure with their refusal to give you this discount and don't forget to point out that you might leave for another insurance carrier. As you well know, every insurance company likes having policyholders who remain claims free for this long and you shouldn't find it hard finding cheaper rates with a host of other insurers.

And, believe it or not, your insurance carrier is likely to shift grounds if they discover you are really serious about changing to another company.

5. Folks who due to their level of knowledge retain either collision or comprehensive coverage types or the two for an old vehicle that isn't classified as a classic are painfully paying much more than would serve any useful purpose. This is because you're paid compensation based on what is called the Kelly Blue Book value of your vehicle as at when you make a claim. So even if you've paid your premiums diligently for years but the Kelly Blue Book value shows your car has zero value, you'll get nothing from the insurance company and they'll be fully covered by the law.

Therefore, stop frittering away your hard-earned cash. The moment your vehicle becomes old, cut out collision and comprehensive coverage on it. If you take this step you'll save a lot.

6. Choosing higher deductibles is a sure way to land more affordable rates. It makes sense to have a deductible that's as high as possible but also within easy reach for you.

Just remember that this is what you'd have to provide if you file a claim.

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7. Your rate is seriously influenced by your annual mileage. Therefore do all within your power to leave your vehicle wherever you have a viable option. This definitely is the way to go if you live in a city where you can use modern mass transit networks.

You can equally reduce your mileage by joining a carpool.

8. You can realize savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from quote sites. The best way is to visit not less than five quotes sites and making sure that you provide the same (correct) information about yourself.

I advise that you visit a minimum of five quotes sites as that will ensure you do not miss out offers not presented by the other sites. This gives you a broader basis for doing more thorough comparisons thereby increasing your chances of better quotes.

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