How
to find cheap auto rates by using the discounts available to you.
Everyone is going online these days to look for the
best automobile quotations they can find. It is no secret that the Internet has
made the Auto Insurance Industry very competitive. The online agents and
brokers have to be on top of their game to compete with all other brokers on
line. Each have access to the majority
of the Insurance Companies, who are offering the best coverage for the least
amount of money.
The best way to lower your auto insurance rates are to
take advantage of all the discounts the Company is offering. It is very
surprising the number of people who don’t realize they are missing out on
hundreds of dollars in savings. We are offering you various types of deals,
discounts, and the secrets you may not know about. We have the experience
that will save you money on your
automobile insurance.
Here are a few of the Auto Discounts that will help you
find a great rate on your policy.
Multi
Vehicle Discounts
This is the one of the more popular discounts. If you
and your wife both have vehicles, the combination of both vehicles on the same
policy will give you 10% -20% off each vehicle. There is another multi vehicle
discount that many people are not aware of that can be used by all. If your
kids live at home and have their own vehicles, insured with the same Company,
they would be eligible for this multi vehicle discount on their policies. Some
Insurance Companies will also include the discounts on any recreational
vehicles you own.
Multi-Line Discounts
If you have your homeowners insurance with your auto
insurance, you will also get a discount on the home policy as well. The kids
would also be eligible for it.
Age Discounts
One advantage of getting older is the discount they
give you as you age. Most start around the age of 45-50yrs, 50-55yrs, 55yrs,
and up. Once you retire, you can get even cheaper insurance as they add another
age retiree discount for you.
Automobile Alarm Systems
If you have an factory installed alarm system in your
vehicle, a discount will already have been calculated into the vehicle premium.
If you put in your own alarm system after you buy your vehicle, you will then
be eligible for that alarm discount.
Use of Vehicle Discounts
Each vehicle is rated according to the use of the
vehicle. The lowest rate is the when the vehicle is used for pleasure only and
has very low mileage per year. The rates increase for a short commute or long
commute. Check your automobile mileage, guessing could cost you big difference
in premium.
Young Driver Insurance Rates
Young drivers have the most expensive rates across the
country. The reason is the driving infractions and accidents. When a young male
or female become 16 years of age, they are allow to get a temporary license for
a year. This is to get the experience they need before they are allowed to
drive on their own. It is imperative that they use a licensed driving school.
There are hundreds of driving schools around, but they need ones that offer 25 hours of classroom
education and 10 hours of road experience.There are many out there so check
with your local DMV for licensed approved schools. While the driver training is important for
their safety, there is a huge discount to start off which really pays for the
course itself. They also provide good
student discounts with proof from your school.
Good driving discounts
If you have a superb driving history with no accident
or driving infractions, you will qualify for the best rates with any insurance
company. When quoting a premium for yourself, be sure to enter the correct and
identical information to get the correct premiums.