subject: How To Go About Finding The Cheapest Car Insurance [print this page] If you are trying to find the cheapest car insurance, several factors can count in your favor. In this article, we will highlight these. Bear in mind that insurance carriers are always looking for good quality customers and, as such, are willing to negotiate deals.
The first immediate advantage on your side is to have a good credit rating. The moment a company is approached by someone with a bad rating, the high-risk factor comes into play. This is a big stumbling block when trying to negotiate a good rate. Therefore, you will certainly have the upper hand with a favorable credit score.
Another factor that will count in your favor is if you do not often travel on long journeys. A low monthly mileage is a big tick in the box. This automatically classifies you as a low-risk client who qualifies for a discounted premium.
If you really want to further your chances of being offered cheaper rates, take defensive driving lessons. This will instantly classify you as a safe driver. The lessons involve learning techniques that prevent possible auto accidents by being able to anticipate the actions of other road-users.
Carriers are far more conducive to giving cheap rates if your vehicle is locked away in a garage when you aren't using it. This obviously reduces the possibility of theft. To further your cause, install a good quality alarm system that conforms to laid down regulations.
Owning an elaborate sports car is not a good idea as these are expensive to insure. Not only do they attract criminals, but replacement parts are very expensive. Also, if serious damage to the car occurs during an accident, the insurance company will have to pay a high amount of money to settle the claim. When seeking auto cover for a family member, e. G. Your son, daughter, or spouse, you can save by adding it to your present policy for a minimal cost. It actually costs about the same to insure one vehicle as it does to insure two.
Another method of attracting the cheapest car insurance is to inform the carrier that you are happy to pay a higher deductible. This represents the amount that you will have to pay personally in the event of a claim. The carrier has to pay the balance, and therefore is likely to be prepared to offer a discount if you take on a larger deductible. Competition for your business is fierce out there, so if you can entice them with some positives, you should come out on top.
by: Lance Thorington
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