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Sunday, May 31, 2009

Searching For Low Rate Auto Insurance?

By Chimezirim Odimba

There are little actions that will go a long way in helping you get the right coverage at lower rates. Do you know those things? Let's look at a few here...

One easy way to make sure you get cheaper rates is by being careful always while driving. You'll be making a smart resolution to always avoid being behind the wheels if you take alcohol.

Traffic offences that have to do with having more than the permissible amount of alcohol in your blood invariably make you attract unbearable rates. Even little things like speeding tickets do add up to make you pay higher rates on the long run. Therefore, if it's breaking traffic laws, avoid it no matter how minor it may seem at the moment.

For people who are less than 25 years, car insurance rates can be really high. If you belong to this age bracket you can get cheaper rates if you keep getting good grades at school. It's called the good student discount.

To have it, however, you must keep getting at least a "B" grade. This attracts a discount of about five percent. This discount is given because insurance providers claim there is a connection between good grades and a young person's behavior behind wheels. It's unusual to meet reckless under-25 drivers who maintain wonderful grades.

Car insurance for teenagers

Joining an auto club could attract a discount with some insurance carriers. Although you shouldn't look to get massive discounts for this, every little discount you can garner will add up to much when added to other such discounts.

The difference in the cost of insuring comparably priced cars could be massive. It will do you a world of good if you get advice from your agent before buying your next car. A comparable car that has a bad crash rating and higher theft rate will cost a lot more to insure.

Another thing to take into consideration is the cost of maintaining a car as it is also an issue that determines your rate. With such diligence you can avoid buying a vehicle that will cost you much in higher premiums over time.

Being part of a car pool will will help in getting a lower rate. The straight reason for this is that it lowers your mileage. Anything that reduces your mileage automatically cuts down your car insurance rate.

Do your best to always make sure your policy does NOT lapse. Those who allow this to happen to them attract only higher rates for a long time. It's easy for this to happen to many individuals while they are changing to another insurer.

One way to ensure you do NOT make this type of mistake is to let your old policy keep running until you're sure the new one is fully in place. It appear to be simple but, take it or leave it, many individuals are paying higher rates today simply because they overlooked this.

And don't forget...

As you do these other things to lower your auto rates, here's something you can do to receive lower rates today: Visit trusted insurance quotes sites and obtain quotes.

Visit a minimum of five of such for the best results. It's free, quick and easy. Please make certain you give your correct details as you fill the questionnaires on each site. The last step is to simply pick the insurance company that represents the best price/value from the quotes you've obtained. - 21392

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