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47 Auto Insurance Savings Tips -- Guaranteed steps To Cheap Car Insurance Pt1 - YouTube
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Auto Insurance Savings Tips -- Guaranteed
Steps To Dirt Cheap Car Insurance Rates (Series)
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-- Pt 1
Tip #1…
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Drive Carefully
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One easy way to make sure you pay less is
being careful every time you're behind wheels
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Please, ensure that you make it a policy to
NOT drive if you so much as sip any alcoholic
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beverage.
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If you're convicted for driving under the
influence (DUI) you'll NOT see affordable
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rates for a very long time.
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While alcohol-related traffic offences have
very immediate and serious repercussions…
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…speeding tickets will also affect your
rates negatively if they pile up.
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So, if it's a violation of traffic laws, avoid
it no matter how negligible it may seem at
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the time.
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Tip #2…
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Maintain an excellent credit rating
It might seem unfair to most people but your
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credit rating does affect you rate.
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A poor credit history will cost you in higher
auto insurance rates
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For most insurers it shows a pattern they
believe you are quite likely to repeat with
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them in premium defaults
This assumption of high risk makes such individuals
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attract very high rates in auto insurance
and other insurance policies
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Tip #3…
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Insure all your vehicles with the same insurer
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You can reduce your rates by positioning yourself
for a multi-vehicle discount.
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It is advisable to insure all your cars with
the same insurer unless you get a much better
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rate for one of your cars with another insurer
Doing some shopping and then comparing with
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what you'll get from a multi-vehicle discount
is a good way to be sure if this serves your
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best interest.
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But that said; insuring more than one vehicle
with the same carrier will always get you
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a nice discount.
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Tip #4…
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Hold all your policies under one roof
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Buying multiple policies from the same insurer
is one smart way to reduce your premium.
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For example, buying auto insurance from the
carrier that underwrites your home insurance
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policy.
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However, note that you may be better served
if you buy your different policies from different
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carriers that offer the best rate for each
policy.
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Do extensive comparison shopping with quotes
sites.
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Compare what you will save if you go for a
multi-policy discount with what you’ll save
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by going for individual carriers with the
best rates.
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Make your choice only when you are sure of
which is more beneficial.
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Tip #5…
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Stay claims-free
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Staying claims-free for three years and above
will get you a discount.
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But bear in mind that NOT all insurers offer
this discount.
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If your agent says they don't offer this discount
let him or her know that you will switch to
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another insurer.
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Believe it or not, every insurer likes having
people who stay claims free for this long
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as policy holders…
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…You shouldn't have any difficulty getting
better rates with a host of other insurers.
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Most insurers will do all within their powers
to ensure they don't lose you and this should
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lead to some compromise on their part.
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Tip #6…
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Drop collision and comprehensive on old vehicles
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You're certainly paying too much if you have
collision and comprehensive coverage for an
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old car that is not a classic.
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Your car's Kelly Blue Book value at the time
of a claim (and not the value of the car when
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you bought it) is what determines what you'll
get from your insurer.
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This means that not minding how much you paid
and for how long you did, you may get $500
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if the book says it's only worth that much
by the time you file a claim.
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Do the smart thing and take them off your
car insurance policy.
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Doing this will save you much and not compromise
you in any way.
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Tip #7…
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Make your deductible as high as possible
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The higher your deductible amount, the lower
your premium will be.
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Therefore, it makes sense to choose a deductible
that is as high as possible but always within
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easy reach for you.
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You are bound by law to contribute this amount.
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So go as high as you can but keep it within
your reach.
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Tip #8…
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Slash your mileage by every fair means
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Drive as little as possible.
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It will lower your mileage and get you a low
mileage discount.
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This applies more to those whose work and
location make it easy for them to use the
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public transit system.
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Walk whenever possible.
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Apart from the fact that it is good for your
health, it will also help keep your mileage
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down.
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Carpooling is another smart way of reducing
your mileage.
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Tip #9…
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Get and maintain high grades
It is a fact that young drivers attract very
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high rates.
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For those who fall within this age bracket,
getting good grades at school will go a long
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way to help you get more affordable rates.
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There is a discount know as the Good Student
Discount…
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This discount is for students who get A's
or a minimum of B's.
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It attracts a discount of about 5 percent.
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This is so because insurance providers think
there is a correlation between good grades
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and a young driver's behavior behind wheels
Students who maintain excellent grades are
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generally considered more responsible and
less prone to reckless driving.
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Tip #10…
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Take refresher courses for the elderly
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Are you a senior citizen?
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Then you can reduce your rate if you take
courses designed for older drivers.
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You can reduce your monthly premium by as
much as 10% once you pass any of such courses.
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To find out the finer details of how this
works and how much you can save with your
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insurer, consult your agent.
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Get and compare cheap quotes from many top
insurers @ Q4L.org
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Quality-Insurance-4-Less.com
Q4L.org
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(It's the same site just easier to type into
your browser)
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One more thing...
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Save a lot of money...
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Get many more tips that will help you cut
down your overall insurance costs by up to
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50% at Q4L.org
Q4L.org
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