Affordable Auto Insurance -- 17 Time-Tested Tips For Paying Less (Pg 1)
Are you enjoying affordable auto insurance? If not, here are 17 (seventeen) proven tips that will help you cut down your rates by a huge margin...1. Drive carefully if you're truly serious about enjoying lower auto insurance rates. Please, make sure you make it a personal principle to NOT drive if you even sip any alcoholic beverage.
Traffic offences that are associated to having more than the permissible level of alcohol in your system invariably make you attract quite astronomical rates. And don't overlook those speeding tickets because they cost you much more than what you pay as fines. They eventually increase your rate. You'll do yourself a world of good if you obey all traffic laws at all times.
2. For those who are less than 25 years, car insurance rates can be quite high. If you fall into this age bracket you can attract more affordable rates if you maintain good grades at school.
This discount is for those who get A's or not less than B's. This will attract a discount of about 5 percent. Experience has proven to insurance carriers that what makes a student keep getting good grades is a level of responsibility which such students also maintain behind wheels. It's difficult to find reckless young drivers who keep getting wonderful grades.
3. Ensure your auto insurance policy is not allowed to lapse for any reason. Individuals who let that befall them attract very high rates for a long time. This happens to some folks when they are about switching to another insurance company.
Never terminate your previous policy until the new one is in place and you'll avoid this costly mistake. As simple as this may seem, many folks are bearing the weight of exorbitant rates because of just this little negligence.
4. Certain professions attract lower rates. Scientists, for example, get far cheaper rates than business owners. Statistics, for example, show that scientists (because of their training and way of life) are better risks than all other professions.
Your agent is in a good position to tell you if your profession attracts certain discounts. Just bear in mind that each insurance provider might have a slightly different position.
5. An outstanding credit rating will reflect in your favor with respect to your auto insurance rate. Having a poor credit rating is simply making it hard for yourself in addition to the fact that your premium will be much higher.
There are several reasons for this but this one is prominent among them: If you have a poor credit history then it could only mean you have defaulted in payments at some points. Once you're noted as bad risk you will attract higher auto insurance rates.
6. There are many anti-theft or theft-deterrent devices like alarm systems, automatic gas cut-off system and so on. Since they reduce the likelihood of your car being stolen they attract a reasonable discount. Thieves will think twice before attempting to steal a car with anti-theft devices.
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