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Wednesday, September 16, 2009

Cheap Car Insurance: Proven Steps

By Chimezirim Odimba

Contrary to what you might be made to believe, it is quite easy to get an affordable automobile insurance rate. All you have to do to achieve this feat are little bits of information (that you'd have to put to use, though). Let us now look at a few time-tested ways to get this done...

1. You are surely spending too much if you have collision and comprehensive coverage for an old car that is not a classic. A car's Kelly Blue Book value at point of making claims (and not the price of the car when you bought it) is what affects what you'll get from your insurance carrier. This means that not minding the amount you've paid and the number of years you did, you will get NOT a dime if that book says the vehicle is not worth anything by the time you make a claim.

Therefore, stop wasting your hard-earned cash. As soon as your vehicle becomes old, drop collision and comprehensive coverage on it. You will be saving much if you do this.

2. You will attract a lower rate if you choose higher deductibles. It makes sense to have a deductible that's as high as as you can make it but also within easy reach for you.

Your insurance provide you to provide this amount.

Online Auto Insurance Quotes

3. Take advantage of every opportunity to avoid driving your car since this will cut down your mileage and, by consequence, your rate. This certainly makes sense if you reside in a city where you have access to standard mass transit systems.

You can also cut down your mileage by joining a carpool.

4. Make out some time to visit not less than five insurance quotes sites that provide quotes on auto insurance policies. This should require around 25 minutes.

As you visit each quotes site, make sure you input the same information. Doing otherwise will produce misleading quotes. When you've received your auto insurance quotes, compare them to determine which serves your interest best both in price and value. - 21392

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