You will easily pay less for adequate coverage if you get and use the right recommendations.
But also bear in mind that you could make savings if you get the wrong tips.
The only difference is that you'd put yourself at risk.
Here are some time-tested ways to pay far less without opting for inadequate coverage...
1.
A simple but smart way of lowering your rate is by authorizing an EFT (Electronic Funds Transfer).
This simply means your insurance provider takes your premiums automatically from your account each month without sending you payment notices.
This saves the insurance company in many ways including eliminating the cost of mailing payment notices and the cost associated with processing checks.
Your insurance carrier passes part of what they save to you by bringing down your premium.
2.
You'll help reduce your rates if you always ensure you park your car in a safe place.
This means that you have to do all within your power to NOT park your car in a red light district.
I hope you also know that you'll pay less if you have a garage for your car.
And, lest I forget, if you drive out in the night do your best to have your car parked in a well-lit area.
That will deter thieves.
3.
Make sure your auto insurance policy is never allowed to lapse for any reason.
It will sentence you to expensive rates for a considerable length of time.
This happens to some individuals while they are about changing over to another insurance company.
To avoid this, ensure the new policy is fully in force before you terminate the old.
As simple as this may seem, a lot of people are bearing the burden of exorbitant rates because of just a little negligence.
4.
Given similar circumstances, an insurer will give a female driver a cheaper rate than her male counterpart.
Married couples can take advantage of this by having their cars insured in the lady's name with the man as the secondary driver.
Although this might not go down well with some men folks, it will help reduce what your family pays for auto insurance.
5.
The most important key to considerable savings in auto insurance is comparison shopping -- That's if you do it right.
You can get quotes that will have a difference in excess of $1,000.
You could conveniently save that much by simply going with the lowest quote.
This should apply if you're simply after the lowest price.
Howbeit, if you're looking for the best price/value then you'd have to check the details of the cheapest offers.
Different insurance companies may have adjustments for similar policies.
It's a good idea to ask the agent what's included and what's excluded.