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Really Cheap Auto Insurance - More Ways to Get ItBy Chimezirim Chinecherem Odimba


Everyone is looking for ways to cut down costs in these trying times. And, getting really cheap auto insurance is just one way to do it without getting onto the wrong side of the law. How many more ways can a person cut down his/her rate? Many! Let's share a few more...
I'll start on a rather funny note...
If you want to save big and pay far less (especially if you're under-twenty five), get married.
Getting married will bring down your rate by a huge margin. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. Insurers will tell you that their records show that married people make fewer claims. Furthermore, when they do make those claims, they usually cost less on the average than those married by their unmarried counterparts.
You will also enjoy discounts with some insurers for being part of an auto club. Even if this discount is negligible it's still something.
Carpooling is another smart way to get auto insurance on the cheap. You should get a discount if you are a member of a car pool. The simple reason for this is that it reduces your mileage. Anything that brings down your mileage considerable reduces your auto insurance premium.
If young drivers can get better rates by getting married, older drivers can also save much. Retirees are offered a special discount by a good number of insurance companies. This is especially true if such an elder is a safe driver.
Furthermore, you'll hardly drive as much as you used to do once you are retired. This will effectively lower anybody's mileage.
Don't forget that you qualify for this discount if you're retired. You can learn more about eligibility requirements from your agent. And, if your agent tell you they don't have this kind of discount, do your best to report the dramatic change in your mileage. Unless the change in your mileage isn't significant, you should shop for another insurer if you don't get a decent discount.
This next one is due to either ignorance or negligence...
Avoid duplicate and/or unnecessary coverage. If, for example, you have an umbrella policy, you should only carry the minimum liablity limits required by law. Also check your health insurance and home insurance policies. You might be surprised what you've already got covered.
And, sometimes coverage types that were necessary last year would no longer be relevant with your current position. So do check if you've overgrown some. This will cut down costs by a big margin.
Last but by no means the least, get and compare quotes from a wide range of reputable insurers. It does happen that some folks are able to make savings of up to $1,000 dollars by doing this right.
This is because their is a huge disparity in rates returned by different insurers. The reason for this huge disparity is the subject of one of my other articles.
So, if you want really cheap auto insurance? You can start right away with the easiest - Getting and comparing quotes
Here is great page for auto insurance quotes... www.cheapautoinsurance.ws