Cheapest Auto Insurance -- Uncommon Savings Opportunities

Are you interested in low cost car insurance? Here are special savings tips...

1. You will enjoy discounts with some insurers if you're part of an auto club. Even if this discount is negligible it's still something.

2. Being part of associations, especially the big ones, will get you discounts on your auto insurance. Insurers give these associations group discounts in the hope that they will in that one move attract many of their members to buy an auto insurance policy with them. Even though you may not necessarily join an association because you want a group auto insurance discount, it makes sense to take advantage of it if it's offered to any association you already belong to.

3. You can get a considerable discount if your child does not use the car for a considerable period because he/she is away at school. If this applies to your child in college then do not fail to let your agent know about it. I must point out, though, that some insurers do not give this discount.

4. Some vehicles cost much to insure. So as you check out the wonderful specs of the car you intend to buy don't forget to find out how much it typically costs to insure. Don't buy cars that has a high theft rate and/or a bad crash rating.

Another thing to take into consideration is a car's maintainance cost since this is as well an issue that determines your auto insurance premium. With a little diligence you can avoid buying a car that will cost you thousands in higher rates over time.

5. Join a car pool if it makes sense in your situation and you'll be eligible for a discount. This is since carpooling reduces mileage (which is a strong factor that determines your rate). Anything that brings down your mileage considerable reduces your auto insurance premium.

6. Check if there is a group discount for company if it's a large one. Insurance companies offer large organizations some discount in the belief that such would attract members of that organization.

7. It is cheaper to insure a car if you live in a rural. It makes sense to live in a less congested area if it fits your circumstance because the risk of vandalism, theft or collision is far less.

8. A careful review of your policy could show you a few places you are throwing away money. Change is inevitable and happens without our permission but then we must NOT pay for things that such changes has relieved us of. A good example is a case where a couple leave their wedded daughter on their policy for months or even a few years just because they did not remember.

Does it occur to you that you might now be eligible for certain discounts due to certain changes in your life? You might as well have "outgrown" the need for certain coverage types. Therefore, don't fail to go through your policy from time to time. You might see a few things that are no longer necessary and save as you drop them.

9. For no reason must you allow your auto insurance policy to lapse..It will sentence you to high premiums for a long time. It's easy for this to happen to some people while they are switching to another insurance provider.

One way to ensure you do NOT make this costly mistake is to maintain your old policy until you're sure the new policy is fully in place. It appear to be simple but, believe it or not, many people are paying a lot more simply because they overlooked this.

10. Do you have a car you've not driven in months? Do you have a broken car? Have you removed it from your auto insurance policy?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. I hope this is not the case with you.

11. Visit at least five quotes sites. Using at least five quotes sites raise the chances that you would receive more affordable auto insurance quotes. This is because insurers not covered by one site will be represented by the other.

Moreover, you should understand that because the likelihood of receiving lower auto insurance quotes has to do with the number of quotes you obtain, the more companies you receive quotes from, the better your chances will be.

Obtaining your auto insurance quotes online will help you save a bundle if you take out around 25 minutes to obtain quotes from at least five sites.