Find Out The Secrets to the Cheapest Car Insurance Rates

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Find Out The Secrets to the Cheapest Car Insurance Rates

Are you looking for the cheapest car insurance rates? With soaring premiums, it may sound impractical to hope for one but, it really is possible. There are secrets to getting the cheapest car insurance rates in the market. Through exercising some wisdom and knowledge, you can definitely save some bucks.

(1) Car safety and protection

Here we are talking about physical protection of your car. Purchase a car with window sketching protection as insurance companies generally offer discounts on such cars. In addition, you may be surprised that insurers will also offer lower car insurance rates if your car has an anti-theft device. Crime rates are high nowadays. Such safety protection made to your car will prove to the insurance companies that you are a good customer who helps lower claim rates! Yes, you may pay a little higher out-front when purchasing the car with all these added features but over the longer term your savings on your car insurance will more than offset the initial cost.
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(2) Discounts for quantity

It is the same for all purchases; the more cars you own, the greater discounts you will receive from your car insurer! If your spouse, parents or siblings own cars, pool them together and approach the same insurer to get some discounts. Do not worry, ask for discounts. The insurance companies will always be ready to give some discounts. But if you don't try asking, you will never get it. After all, they are doing business and will want to get your business.

(3) Yearly policy

Calculate your sums and try to opt for yearly policies. They do save you some bucks. Compared to if you take up half-yearly policies, longer term policies will have higher discounts. In addition, should you make any claim you will not run the risk of higher premiums during the time when you actually need to renew your policy if it had been a half-yearly policy.

(4) Deductibles

A higher deductible will mean lower car insurance rates. Try to work out as high a deductible as possible and you will see greater savings. However, you have to balance with the amount that you are able to pay in the event you do file a claim and not merely just to get that cheapest car insurance.

(5) Be a safe driver

Be safe on the road and avoid traffic offences. A safe and clean record will mean that insurers will rate such drivers favorably and hence, lower car insurance rates and premiums.

Don't the above secrets appear basic? Hence, it does show that if you expend a little effort, you will find that getting the cheapest car insurance is possible.

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