subject: Several Basic Tips On Getting Cheap Car Insurance [print this page] Affordable car insurance is something that anyone can come by as long as they are realistic about what they can actually achieve. For example, if you are a high risk driver then you can never expect to get auto insurance that is as cheap as someone who has an immaculate record. However, whatever your personal situation and however risky you are perceived by insurance providers, there are some basic steps that you can take to reduce your premiums.
The deductible that you set up on your account is going to have a significant impact upon this. If you really want to save money then set a high deductible. If you set a low deductible you will certainly be able to suffer less of a financial burden if you file a claim. However, if you don't file a claim that you can save money by setting high deductibles.
Consider the vehicle that you are driving very closely. Vehicles that are heavier, older, and cheaper, will usually tends to have reduced premiums. If you haven't yet purchased a vehicle then try to find one that will fit into this criteria. If you do already have a vehicle then you may want to consider downgrading it if you really need to save money.
It is also important that your vehicle has the relevant safety features in it such as airbags, seat belts, safety lights, and everything else. These will be important in helping you to avoid injury, thus lowering your premiums. Antitheft devices will also help to have the same impact as they will prevent thieves from stealing your vehicle.
Keeping your vehicle in a safe location, particularly during the evening, is also going to be helpful. If you have a garage or a safe parking facility where you can park up your vehicle overnight then you need to make sure your insurance provider knows about this.
It is also important for you to think about how often you drive your vehicle. It really isn't any good if you don't consider what mileage allowance you require, especially if you don't tend to drive your vehicle to frequently. You can certainly save money by purchasing a lower mileage allowance and therefore you need to think about this closely.
One final tip would be to simply consolidate your insurance requirements under the same package. Purchase your auto insurance with other insurance policies that you need and you will get a discount of doing so.
by: Lakisha Halfacre
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