Affordable Auto Insurance Rates -- Five Essential Points

Everyone in their right mind would be very pleased to discover a way of enjoying cheaper car insurance rates provided such a way will NOT downgrade the level of coverage they enjoy. You'll be shown a good number of helpful recommendations in this article...

1. You might be missing some concessions you qualify for with your present insurer simply because you do not know. Since agents too are human they might not remember to tell you about some discounts you are eligible for. The only way to be sure it's false in your case is by asking your agent to list out every discount that your preferred insurance carrier gives. You might be surprised at discounts you've not taken advantage of.

2. Take part in a defensive driving course. In addition to the fact that they will improve your driving, they will show your insurer that you're doing your best to reduce your risk level.

3. As an under 25, you can pay lower auto insurance premiums if you use your parents' policy. Your parents are part of a better risk age group.

To take advantage of this though, you'll have to live with your parents and also have the vehicle registered in their name. If you do not like the idea of giving the car's ownership to them and other stuff that may come with it, then you will have to forego this option.

4. Do NOT try to enter false personal details in your bid to get more affordable rates. State personal details just the way they are. Insurance fraud costs us all.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation. You'll then lose in a very big way. This is partly because of the added cost you'd bear if your policy lapses (which is what would happen if your insurer cancels your policy).

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

5. You will save a lot if you really have between 25-30 minutes. Visit, receive and compare auto insurance quotes from various quotes sites. The cheapest offer should be what you pick easily.

But, you have to go beyond just the cheapest quote to the best price/value. The cheapest may not offer the best price/value for you as a person.

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