Saturday, March 21, 2009

Low Cost Automobile Insurance

By Lucia Bertner

With the country seen under one of it's worst recessions in decades, many people are already beginning to re-discover ways to save more money and spend less. Although, admittedly, we couldn't give you the winning lottery number-combination, we can, however, provide you with some excellent tips on how to save some much needed bucks and help you get low cost auto insurance.

Re-evaluate Your Deductible

Most people can afford to increase their deductible to the next tier. This saves you more because your premiums become lower with a higher deductible amount. You don't pay deductibles on a regular basis, but you do on your premiums.

Choose a Low-Risk Car

By 'low-risk' we mean car's that are not popular to thieves, relatively inexpensive and doesn't go beyond 200mph. Older pre-owned car costs much less to insure over the long-haul.

Eliminate Excess/Redundant Coverage

The type of car you drive has an enormous influence on your premiums. Older, less-expensive or safer models would cost you less.

Aim For Lower Mileage

You can get discounts (and reduce your risk of an car accident) if you drive within 15,000 miles or less annually.

Be A Safer Driver

Defensive Driving Classes, aside from imparting very important skills to help you avoid accidents while on the road, also makes you eligible for discounts once you complete them.

Find And Compare Insurance Rates

Get low-cost auto insurance by shopping and comparing many different insurance providers through the Web. Car insurance portals are very easy to find and are free to use.

Value Your Credit Score

Good credit is seen by your car insurance company as a trait of a responsible, low-risk driver. Having good credit may very well save you money on premiums.

These are actually very easy ways to find or maintain a low cost auto insurance. The smart consumer will take advantage of these tips to put themselves in a better position to ride through the though times. - 2368

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