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Saturday, June 15, 2013

How to Get Lower Rates on Auto Insurance Policy

You need to buy auto insurance as soon as you buy a new car or want to switch to new insurer, but getting cheap insurance rates are not easy all the time. Many people are currently paying higher premiums because of lack of knowledge about hoe to reduce rates.

Lower auto insurance rates

There is no certainty that your insurer provides the best rates, because rates can be varied insurer to insurer. This post shows few ideas and following these you must lower your premiums.

The main approach to getting cheaper insurance quotes is asking about discount. Many companies offer discount on insurance policy based on several conditions like young drivers with scores, drivers who have completed driving safety courses, or good driving records.

Many companies have started to offer discount on how many miles the drivers drive each day. This idea is called pay as you go. To get this discount driver must report driving speed, number of hard stops and miles per day. Some drivers who are willing to get this discount can allow the insurer to track the performance. Insurers have premium discount to such drivers who allow tracking the performance of their vehicles.

Car insurance rates partly depend on the vehicle you drive. The vehicles which have high risk of crash are usually having higher rates, so be sure to check the crash test rating before you are going to buy any vehicle. To check auto crash rating you can visit The Insurance Institute for Highway Safety and buy low crash rating vehicles.  Your family will be in safer vehicle and also you will get lower rates.

Having safety devices in your vehicle is another factor to get lower rates. At first ask your agent that on which safety devices the companies will provide discount or lower you premiums then buy these devices and install them before applying for insurance quotes.

The smart drivers try to insure other assets under same company and because of this trick the company offers a significant amount of discount and lower policy rates. You can save 10% - 15% on total insurance cost if you consider insuring vehicles and home with same company.

Auto insurance companies advertise bundle of discount and you will be easily confused because everyone is attractive, if you apply these tips you will lower your rates but keep in mind that lowering rates is not enough and can be disastrous if you have to bear the expenses out of your pocket because of limiting the coverage and getting high discount. So consider every aspect carefully while trying to lower insurance rates.  


  1. Absolutely right. Many of the car owners doesn't know the in's and out's of the auto insurance policy and some of the insurance provider will take advantage on that. I strongly recommend to research first the provider before buying the insurance policy. I strongly recommend 4-insure as one of the trusted provider of car and auto insurance.

  2. Very informative blog I found a lot of information about Arizona insurance policies and plans. There are many types of insurance available in online market like car insurance, auto insurance sr22 insurance etc.

  3. If you are going online to compare car insurance premiums there are some major factors to keep in mind to avoid being scammed. There are plenty of legitimate websites with genuine information and charts that allow you to make a comparison of car insurance premiums so you can get the information you want. The cost of auto insurance premiums varies significantly from vehicle to vehicle and person to person. In fact, many factors affect the premium that you pay for your automobile insurance like age, gender, driving history, driver geography, car type, driving violation, credit rating, car parking.

    Compare Car Insurance Premium

  4. Excellent post...I really enjoyed your article.There are several factors that could play an important role in determining the best Auto Insurance. Thanks…. Keep posting.