Forget High Auto Insurance Rates!

What Insurance providers and agents aren’t telling you!By InsuranceiQuotes.com

Forget High Auto Insurance Rates!

When it comes to auto insurance, many drivers simply buy the insurance policy recommended by their insurance providers, not realizing that they have more power than they think. People fail to realize is that with more knowledge, and sometimes a simple tweak to their Auto Insurance Policies they can save quite a bit .

INSURANCEIQUOTES.COM will share some tips, tricks and other simple things you can do to REDUCE AUTO INSURANCE PREMIUMS and to BUY CAR INSURANCE ONLINE.

Think twice before buying that overly FLASHY RIDE. It’s not only the BIG, FLASHY EXPENSIVE CARS that can be

very COSTLY TO INSURE. It’s also the cars that happen to be among the MOST frequently stolen cars. If you purchase a vehicle with a HIGH VANDALISM OR THEFT RATE, your CAR INSURANCE PREMIUMS WILL BE HIGHER.

Other factors such as cost of repairs and replacement, crash test safety ratings, age and model of your vehicle, engine size, colour etc. can also affect your insurance premiums. Expensive luxury cars will attract higher insurance rates because they cost more to repair or replace.

Combine vehicles and home on same policy.

If you have multiple vehicles try to have them insured on the same policy. Most Insurance companies offer multi vehicle discounts or bulk rates, which you can take advantage of if you have multiple vehicles insured with them.

Insure your car and home on the same insurance policy. Having your auto and home insurance with the same company can significantly reduce your insurance premiums. Many insurance companies offer multi products discount, up to 20% discount or more if you insure multiple products with them. So please get your Auto Insurance Price Quotes to compare.

Install anti-theft devices and Save on Auto Insurance.

Installing anti-theft devices such as alarms, steering wheel locks, immobilizers, marking systems, vehicle tracking systems etc. in your vehicle could lead to a reduction in your Auto Insurance premiums as it means more security and safety for your vehicle.

Only certain types of anti-theft devices are eligible for discounts, so it’s important to query about these. IT’S AMAZING HOW MUCH YOU CAN SAVE ON YOUR CAR INSURANCE WITH A SIMPLE INSTALLATION.

Get FREE Insurance Quotes Online.

By far, one of the easiest and highly recommended ways to save on your car insurance is by getting no-obligation FREE AUTO INSURANCE PRICE QUOTES online. Auto Insurance rates can vary a lot across different insurance companies for a variety of reasons, including type of vehicle, size of insurance company, location of insurance company, coverage needed etc.

Therefore shop around and Compare Auto Insurance Rates to ensure you are getting the most affordable rates. InsuranceiQuotes.com can get you started.

Negotiate for Cheaper Insurance Rates!

Don’t be afraid to NEGOTIATE as the power is in your hands. Nowadays it’s very easy to get FREE AUTO INSURANCE QUOTES ONLINE and insurance providers know that. Let them know that you are COMPARING QUOTES and can get cheaper insurance rates and watch the deals and discounts suddenly appear.

Don’t claim for every little minor accident.

Claiming for minor damages costing a few hundred dollars can add up and negatively affect your insurance record, sending your premiums soaring if done too frequently. You can ultimately save more money if you TRY TO PAY FOR SOME OF THESE SMALL CLAIMS OUT OF POCKET. You don’t have to claim for that little scratch or small dent, it might be worth settling the cost yourself.

You can Get Cheap Auto Insurance Premiums if you haven't made a claim or a claim hasn't been made against you for a while. Preserve your good record and save your car insurance for when you really need it.

Consider Removing Collision Insurance on older vehicles.

If you have an older vehicle valued say under $1,000, chances are you probably won’t benefit significantly from collision insurance. It may not be feasible to pay a premium that is potentially more than the market value of your car.

Removing Collision Insurance on Older Cars can Lower your Auto Insurance premiums by as much as 50% in some cases. So do your research, get your CAR INSURANCE QUOTES and start SAVING ON AUTO INSURANCE!

New Driver? Take a driving course.

If you are a new driver consider taking a driver’s training course. A lot of insurance companies offer discounted rates to new drivers who took an approved driver training course within the last 3 years.

Taking a defensive driving or accident prevention course can REDUCE AUTO INSURANCE RATES and translate into Huge Insurance Savings as you are proving to the insurance providers that you want to be a responsible driver. Get your AUTO INSURANCE PRICE QUOTES to see how much you could save.

Limit modifications to Reduce Auto Insurance.

Modifications can push your car insurance premiums up, so think twice whether they are really necessary before you start upgrading your vehicle. If it’s not necessary don’t do it. Do you really need new alloy wheels or extra headlights, a new boosted engine, body kit or spoiler?

Modifications that change the performance and look of your vehicle are assessed by some insurers to be a higher accident risk. If you can get Cheap Auto Insurance by minimizing these modifications then why not.

 

Pay higher deductibles and Save!

Your deductible is the amount of money you pay out of pocket before your auto insurance policy pays a claim on your behalf. THE HIGHER YOUR DEDUCTIBLES, THE LOWER YOUR AUTO INSURANCE PREMIUMS. With a higher deductible you are taking on a bigger share of the responsibility in a claim situation. This means that your insurance company expects to pay out a lower amount on the claim resulting in Lower Insurance Premiums. Get your Free Auto Insurance Quotes and start saving.

Benefit for being loyal, BUT STILL SHOP AROUND !

In some cases if you stay with your insurance provider long enough you might qualify for car insurance discounts known as loyalty savings or loyalty discounts.

With the loyalty discount Insurers are hoping that you’ll want to stick around longer to qualify for lower insurance rates in the future. However still shop around and COMPARE INSURANCE QUOTES to see if there are cheaper rates out there.

Preserve your no claims history and build up your No Claims Discount to Reduce Auto Insurance!

In some instances you can Lower Your Auto Insurance Premiums by as much as 70 percent if you haven't made a claim or a claim hasn't been made against you for a while. When shopping for Cheap Auto Insurance Quotes ask if you will be able to carry over your full no-claims discount from your previous insurance provider.

Your NO CLAIMS DISCOUNT or NO CLAIMS BONUS is a reduction in your insurance premium based on the number of years since you last made a claim, or a claim was made against you.

Ask lots of questions about discounts offered.

Some Insurance companies offer discounts if you are from a certain organization. Others offer discounts to senior citizens, students etc. Don’t just expect discounts to be offered to you. Ask for them.

Student Discounts If you are a student you could be eligible for student discounts from some Insurance providers.                                                                      

Senior Discounts if you are a senior ask about senior discounts. Senior drivers usually enjoy lower auto insurance premiums so be sure to ask.                                                                                                   

Group or Association Discounts If you’re part of a professional group or alumni association, check to see if you qualify for any discounts.

Drive less and reduce your mileage.

If you have an opportunity to walk, car pool or take the subway to work, this can go a far way in Reducing Your Mileage Thereby Reducing Your Auto Insurance Premium.

By driving less you increase your chances of qualifying for LOW MILEAGE DISCOUNTS. Some of the most popular questions asked by insurers are in relation to the number of miles you drive each day or each year. So if you want to save on auto insurance, consider driving less if possible.

Hybrid Vehicle Insurance Discount?

Going Hybrid is no longer just about the federal, state and city incentives or about saving money at the gas pump. Hybrid vehicle drivers could be eligible for additional auto insurance savings from some car insurance providers. So get your CAR INSURANCE QUOTE and be sure to inquire about such discounts.

Pay Insurance Premiums Upfront!

If you can afford to, Pay your yearly Insurance Premium Upfront instead of in instalments such as a monthly plan. Doing so can save you some money and help to Reduce Your Car Insurance rates. Many insurance companies charge interest or admin fees if you decide to pay via instalments.

Drive older vehicle for longer or frequent commutes.

If you have more than one vehicle and you drive regularly to work or take long commutes, Consider Driving The Older Vehicle. The reason for this is that the older vehicle is usually cheaper to repair and also less expensive to insure. As such it is better to rack up the mileage on the older vehicle that’s cheaper to insure rather than on a new vehicle with an already more expensive insurance policy.

Consider Pay As You Drive Insurance or Usage Based Insurance.

This could be a more affordable option for you, but this is a fairly new option and not many persons know about it.. The general concept of PAY AS YOU DRIVE is that your Auto Insurance rates will be based not just on how much you drive but how, where, and when you drive .

Usually a small device is plugged into the diagnostic port of your vehicle and this monitors your driving habits such as distance, frequency of sudden stops, braking patterns etc. At a billing interval the device or recorder sends that information back to the insurance company and they bill you accordingly.

Persons who drive less and safer can get personalized car insurance discounts of up to 30 per cent.

Don’t switch insurance provider mid-way through policy.

If you can hold off its better to wait until renewal time to switch your insurance provider. By waiting you can avoid unnecessary and costly penalties for cancellation. In the mean time you can start to get Car Insurance Quotes, make some adjustments to your policy and save until you are able to change providers.

If you absolutely must switch before renewal then you might have no choice but to pay the cancellation penalty.

Pay unpaid tickets before shopping for Insurance.

Remember when you are looking to Buy Car Insurance you are going to be questioned on your driving record, so make sure that you settle all unresolved issues. Check if you have any unpaid parking tickets or speeding tickets and if you do PAY THEM right away.

Pay your fines, settle traffic violations and learn from your mistakes. Insurance companies are able to pull up these records so being in good standings could help you get Cheaper Auto Insurance Rates.

Stay accident and ticket free for Lower Auto Insurance.

Your driving record and history of accidents is one of the most influential factors that affects your Auto Insurance Premium, therefore it is very important that you avoid speeding and avoid getting tickets for traffic violations.

The more accidents you have the riskier of a driver you will be considered and the higher your Auto Insurance Premiums will be.

SERVICE YOUR VEHICLE and get regular tune ups.

Getting regular tune ups are highly recommended if you want to save on Auto Insurance. Poor maintenance can result in more accidents and a subsequent increase in your insurance premiums. Go get those brakes, fluids, belts and hoses checked. Buy vehicles with safety features like anti-lock brakes, alarms and air bags.

With these safety features, insurance providers are more likely to quote you cheaper auto insurance premiums. With a well serviced vehicle and updated safety features you can avoid unnecessary stress, collisions and violations that may result in increased insurance rates.

Don’t lie or commit Insurance fraud.

When giving information to your insurance provider, Try To Be Honest At All Times. Insurance Fraud Is a Crime and getting caught committing a crime will have devastating consequences. Your insurance policy can get cancelled and you might have a hard time getting insurance or getting insurance at affordable rates due to an insurance fraud record.

Don’t withhold information and be very forthcoming and honest about past accidents, traffic convictions, claims, policy cancellations etc. Don’t include a previous damage to your vehicle when submitting a claim, as that counts as fraud so be careful.

Be careful who you lend your vehicle to!

When you allow someone to borrow and drive your car, you are also lending that person your Auto Insurance policy. If that person causes an accident you will be held responsible and your car insurance premiums may increase. So if a person has a reputation of being accident prone or reckless on the roads think twice before handing over the keys to that person.

Park your vehicle in your garage if you have one.

By parking your car in a garage and not on the roadsides you lower the chances of it being stolen, damaged or broken into. Some insurance providers will reward this Lower Risk with Lower Car Insurance Premiums, so ask them if they offer a discount for you parking in a garage. Insurers often prefer a car parked indoors to one parked on the street or in your driveway.

Get Married. It could reduce Car Insurance.

Some insurance providers view married couples as being more responsible. In fact there are statistics, studies and surveys that support that claim and prove that drivers who are married are safer and get in to fewer accidents.

Not all companies reduce car insurance premiums for married drivers, but several companies do. Better tie the knot. Get Free Auto Insurance Quotes and see.

Put on those Winter Tires.

If you have winter and you have snow, put on those winter tires and you could SAVE ON AUTO INSURANCE. Depending on where you live and your insurance provider, you may be able to get a winter tire discount. Some insurance companies offer this discount when all four tires are changed seasonally, so make sure to mention that you have winter tires installed.

Winter tires make your vehicle safer and can reduce the possibility of accidents. As such some Insurance providers reward this safety feature by Reducing Your Auto Insurance.

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