Cheap Auto Insurance — Seven More Recommendations For Huge Discounts

We all want a very low rate that comes with adequate coverage. But in what ways can this happen? Let’s look at several time-tested steps to achieving just that…

1. Raise your deductible and you’ll get lower rates. It makes sense to have a deductible that is as high as possible but always within easy reach for you.

Your insurer won’t pay out unless you provide this amount. So make very high but keep it within easy reach.       

2. Your rate is seriously affected by your total mileage. Therefore do all within your power to NOT drive your car whenever there is a good alternative. This applies more to those whose work and location make it easy for them to use the public transit system.

You can also reduce your mileage by joining a carpool.

3. For people who are less than 25 years, auto insurance rates can be truly astronomical. If you belong to this age bracket you can get cheaper rates if you keep getting good grades at school.

You must maintain a grade point of not less than B to get a good student discount. This will slash off up to five percent from your rate if you meet eligibility requirements. Experience has proven to insurance carriers that what makes a student maintain good grades is a level of responsibility which is also carried while driving. It’s unusual to find reckless under-25 drivers who maintain wonderful grades.

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4. Taking a drivers’ refresher course can help those above 55 to bring down their rates. Completing such a course can qualify you for discounts of up to ten percent. Ask your agent about your insurer’s position on this and how to go about it. 

5. Are you retired? Then you can get a retiree discount with several insurers. You’ll hardly drive as much as you used to do once you are retired. This will effectively lower anybody’s mileage.

This discount is certainly not one any retired person should overlook. So it’s a good thing to ask your agent. And, if your agent tell you they don’t have this kind of discount, do your best to report the dramatic change in your mileage. You are entitled to a reduction in rate if the change in your mileage is significant.

6. Features like automatic gas cut-off, alarms and other anti-theft devices are encouraged. They usually get you an anti-theft discount for the simple reason that they make it less likely that you car will be stolen. Thieves will think twice before attempting to steal a car with anti-theft devices.

7. You might save several hundreds of dollars by just obtaining and evaluating quotes from at least five insurance quotes sites. And, it will take only a total of 25 minutes.

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