Cheap Auto Insurance Rates -- Five Crucial Points

Everyone in their right mind would be very happy to discover a way of enjoying cheaper automobile insurance rates provided such a way will NOT negatively affect the level of coverage they enjoy. Here are things that will help you attract huge discounts with ease...

1. Are you aware of every discount that your insurance carrier offers? Since agents too are not above mistakes they might not remember to tell you about some discounts you should take advantage of. You'll know only by telling your agent that you want to be sure you've been told about every discount possible for your profile. You might have a really pleasant surprise!

2. Participate in a defensive driving program. Apart from the fact that they will help lower your rate, they will make you a better driver.

3. As an under 25, you can pay lower auto insurance rates if you use your parents' policy. If you are of driving age, then your parents certainly are far above twenty five years which means they are lower risk drivers.

To take advantage of this though, you will have to live with your parents and also have the vehicle registered in their name. This means that by law they own the vehicle. If the benefits of "independence" outweigh your car insurance savings then this is certainly not alternative for you.

4. Do your best to present your details truthfully. Insurance fraud is an ill wind that blows no one any good.

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. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

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 can lower your auto insurance rates by getting and comparing quotes from at least five good quotes sites.

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