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Affordable Auto Insurance

It is possible to get affordable car insurance

Affordable auto insurance is something in real demand in this time of economic downturn. Also what may be affordable for one person may be just budget-busting for another. However, there are things you can do to lower your insurance rates so that you can definitely afford the mandatory insurance for your vehicle.

First of all, shop around. There can be a great deal of difference between the rate quoted by one insurer and that given by another. You can do the legwork yourself by either calling auto insurance providers or visiting their websites and asking for a quote. You can also access an online source such as Netquote.com which submits your request for a quote to over 100 insurance companies, ensuring that you will receive a number of quotes as they compete for your business.

Surprisingly, you would be advised to shop for insurance BEFORE shopping or buying another vehicle. For instance, hybrid cars are often eligible for extra savings in insurance rates. Additionally, certain features such as anti-lock brakes, side airbags or anti-theft devices can mean more affordable auto insurance. Shop and Compare multiple Auto Insurance quotes for free.

Of course, the higher your deductible the lower your monthly premium will be. So you might want to consider raising your deductible from $200 to $500 or even $1000 per incident, which would mean a 40% immediately. This will greatly lower your monthly premium and make the premiums more affordable. However, if you are going to increase your deductible, you'll want to make sure that you set aside that money in a saving account so that it's immediately available in the even to of an accident. Get $100 OFF your deductible the day you sign up with Allstate

Adjust coverage for older cars or even just insure for liability. If you no longer have a lien on your car and it is worth less than 10 times the premium, then you should definitely consider changing the type of coverage you carry. Cancelling the comprehensive coverage on an older vehicle that has been paid off could save a considerable amount each month.

Bundle your insurance coverages. If you are a homeowner consider insuring your car with the same insurance company. Many insurers offer reduced rates for car insurance when you purchase homeowner's insurance thru them. If your insurance provider doesn't offer multi-policy discounts, you'll want to shop around and find one that does.

Surprisingly, an easy way to ensure affordable auto insurance is to maintain a good credit rating. It is common practice now for auto insurance companies to run a credit check before providing an insurance quote. Sadly this means that those who might be struggling the most financially are penalized and charge a higher insurance premium when they can least afford it.

The average number of miles driven every year is considered to be 12,000 and may be determined by your location. However, if you work at home, or drive less than the average you might be entitled to a low mileage discount.

Of course, not having any accident or moving violations on your driving record for the past three years will almost always entitle you to a "good driver discount". Additionally, taking a certified defensive driving class can also qualify you for a lower insurance rate.

If you are adding a student driver to your policy, as about a "good student" discount or a discount for the student passing a qualified driver's training course. You might also receive a discount if your student is away at college without a vehicle.

Affordable auto insurance is definitely possible. Shop for quotes and ask the right questions and you should have no trouble finding the right insurance for your budget. Get a quote now!

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