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Tuesday, October 20, 2009

Car Insurance Rate Too Expensive? Try These And Save Much

By Chimezirim Gabriel Odimba

Would you like more affordable rates? If answered "Yes" you have to do all within your ability to discover as many ways as there are to cheaper rates. Following are a good number of tips that will help you lower your rate by up to 50% if you use them correctly...

1. Remaining without making claims will make you eligible a good discount. Several insurance companies do NOT give this without some coercion.

If your insurance carrier is one of the few who don't give this discount tell them point-blank that you'll go to another insurer. Believe it or not, every insurance company likes having people who remain claims free for this long and you shouldn't have any difficulty getting lower rates with a number of other insurers.

But more often than not a serious threat of leaving from you will be enough to make them make an exemption.

Cheap Auto Insurance

2. If you are a senior citizen you can cut down your rate if you completed courses recommended for elderly drivers. Completing such a course will position you for discounts as high as ten percent. Discuss with your insurance agent about your provider's position on this and how to go about it.

3. Several insurance providers will give you a discount if a child on your policy is away at school and does not use the car within that time frame. If your kid is in college then you should discuss with your insurance agent about the possibility of getting this discount. But bear in mind that some insurance companies don't offer this discount.

4. All vocations are not equal -- At least as far as auto insurance is concerned. Scientists, for instance, pay a lot less than business owners. Members of certain professions make use of their cars a lot more and, as a group, have patterns that make them worse risks.

Your agent is in a good position to tell you if your profession qualifies you for certain discounts. However, the discount you'll get varies from company to company. - 21392

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