Tips for Getting Cheap Auto Insurance Rates
By:
Heather Colman
Getting a quote for auto insurance
online is easy... but finding cheap insurance can be more of a challenge.
It takes diligence and knowledge.
Here are a few tips to help you find the cheapest auto insurance
available.
Safety Features
Make sure your vehicle is well built and "safety" feature rich.
You should get cheaper premiums for adding anti-theft devices, car
alarms or a good tracking system since these items reduce the risk
of your car being stolen.
Defensive Driving
Take a defensive driving class. Certification will help you in your
quest to locate cheap auto insurance and can reduce your premium
for up to three years.
Comparing Rates
The automobile industry is fiercely competitive. Premiums can vary
by as much as 300% for the same coverage. Be sure you are comparing
apples to apples on the features you need the most when searching
for cheap auto insurance.
Complete Application
If you don't complete the application in full, the insurance companies
are not going to give you a quote for their cheapest auto insurance
and you won't find out about any of the discounts you may be eligible
for. You'll simply get a higher rate quote by default. Be sure to
enter your marital status, how many licensed drivers are in your
home, your car's safety features, your zip code, the miles you drive,
etc.
Increase Your Deductible
You can also reduce your rates by selecting a higher deductible.
Generally the higher the deductible, the lower the premium. Your
savings can be as much as hundreds of dollars by increasing your
deductible from $250 to $500.
Cut Back on Your Miles
If you travel less than an average of 40 miles a day, you'll more
than likely qualify for a low mileage discount. If you must travel
more, car pool or use the public transportation one or two days
a week to reduce the miles you drive.
Color of Your Car
Statistics tell us that red cars are involved in more accidents
than any other color. If you want to find the cheapest auto insurance,
avoid buying a red vehicle.
Who Drives What Car the Most?
Compare quotes with the man as the main driver and the woman as
the second driver and vice versa on each of your vehicles. Always,
place your younger drivers (teenagers) on the safest vehicle you
own, such as the family station wagon or the family car. You'll
never find cheap auto insurance by putting your teenager on a sporty
little two door vehicle.
This article is Copyright 2006,
Heather Colman. Find more cheap
auto insurance resources at CheapAutoInsuranceCentral.info.
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