Discount Auto Insurance -- 5 Sure-Fire Recommendations

By Chimezirim Gabriel Odimba

There are a lot of ways open to anyone who wants to get affordable insurance. But while some of them might reduce your cost, they could leave you with inadequate coverage. I don't usually approve of such options since they rubbish the main aim of insurance in the first place. Bearing this in mind, I'll only give you suggestions that will also leave you well covered despite saving you much...

1. If you want to keep your rates down, do NOT "pimp your ride." Doing such reduces your car's safety and, therefore, warrants higher rates as far as the insurer is concerned. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.

Cheap Auto Insurance

2. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

So, as part of your home shopping activities, check how this neighborhood will affect your auto insurance rate. This doesn't come readily to mind when you're shopping for a new home. Does it?

Remember, you might live in this home for up to 20 years or more. If its location makes you pay up to $200 more in premium, that will add up to $4,000 within that time frame.

3. If you must quickly get something inside, turn your car off, lock up and pocket your keys. Don't leave your car unlocked and running. This simple act makes it very easy for thieves. Car thieves are known to go for easy targets. An unlocked car with the engine running? What could be easier?

4. Using your parents' auto insurance policy is a good alternative for you an under twenty five. Your parents certainly belong to a better risk age bracket.

There are two things you must do for this to be possible: The vehicle must be registered in your parents' name and you must live with them. This means that by law they own the car. If the benefits of "independence" outweigh your car insurance savings then this is certainly not alternative for you.

5. Do your best to always drive responsibly. You'll be making a wise resolution to always avoid being behind the wheels if you take alcohol.

If you're convicted for driving under the influence (DUI) you've said good-bye to anything but high rates for a very long time. Even little things like speeding tickets eventually add up to make you pay more expensive rates on the long run. Therefore, if it's a violation of traffic laws, avoid it notwithstanding how negligible it may seem at the time. - 29952

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