You’ll save by being loyal to an insurer due to the long term discount and accident forgiveness which they give to long-standing policy holders. Some insurers will give you up to 5% in discounts once you’ve been with them for up to three years while others will give you such a discount only when you’ve stayed for up to five.
Furthermore, if a long term policy holder files just one claim, most insurers will NOT raise their rates thereafter. Insurers offer these as incentives to keep you with them since it serves them better too.
But it will only be right for me to also point out that in spite of these incentives, you might actually gain more if you switch to another insurer.
Make sure your car is always parked in a safe place. This means that you have to do all within your power to NOT park your car in a red light district. I hope you also know that you’ll pay less if you have a garage for your car.
And, lest I forget, if you drive out in the night do your best to have your car parked in a well-lit area. That will deter thieves. It’s certainly not a good idea to leave your car in the open street all through the night.
Being part of associations, especially the big ones, will get you discounts on your auto insurance. They stand to get many prospects easily if an association decides to adopt them as their insurer. Bearing this in mind, you’ll do well to see if there are good discounts with any association you’re part of.
Drive carefully if you’re truly serious about getting affordable auto insurance rates. It’s a wise idea to NOT drive at all once you’ve taken alcohol no matter how little.
If you’re convicted for driving under the influence (DUI) you’ll NOT see cheap rates for a very long time. Even those speeding tickets do add up to make you pay more expensive rates on the long run. You’ll do yourself a world of good by obeying all traffic laws always.
Unless you live in the suburbs, always take advantage of the mass transit. This simple action will help you reduce your mileage. And since mileage is a strong factor that determines your premium, you’ll attract more affordable rates. The rule should be: Use your car only when you do not have a more cost-effective alternative.
And…
Make out some time to visit not less than five insurance quotes sites that provide quotes on auto insurance policies. Doing this should take you not more than 25 minutes.
As you visit each site, make sure you give the same details. Doing otherwise will return misleading quotes. After you’ve received your auto insurance quotes, compare them to see which serves your interest best in price/value.
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