Affordable Auto Insurance Rates -- 7 Tips For Massive Discounts

Affordable auto insurance rates: It's really very easy for everyone to buy the right coverage for a lot less. The two things that stand between you and attracting a cheaper rate at the moment are relevant information and a resolve to make use of the information you get -- Period. Let's get into the tips you need to attract more affordable rates...

1. There are many anti-theft or theft-deterrent devices like alarm systems, automatic gas cut-off system and so on. They usually get you an anti-theft discount for the simple reason that they make it less likely that you car will be stolen. Thieves prefer unprotected cars.

2. You might be paying a lot more than you should because of some really unnecessary add-ons like towing. Do you know that your credit card company might have already given you towing as an extra benefit?

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

3. Stay claims-free for more than three years and most insurers will give you a special discount. Here's a tip: Even though you might have cause to make a claim, don't if they are minor issues.

Therefore, if it's a minor case, handle it on your own. What you'll gain from a No Claims discount will certainly outweigh it.

4. Take it upon yourself to ask your agent about all the discounts possible with with your present insurer. There is a possibility that your agent did not remember to tell you about some.

You will lower the odds of this happening to you if you take the pains to ask your agent point blank to tell you of every discount that is obtainable. You might be surprised at discounts you've not taken advantage of.

5. Statistically, women are safer drivers. Therefore, if you're married buy your auto insurance policy in the wife's name and let the man be listed as a secondary driver.

Although this might not go down well with some men folks, it will help reduce what your family pays for auto insurance.

6. Doing business online is cheaper and more efficient. This also applies to buying and selling auto insurance. Expect to save up to 15% (when compared to what you'll pay if you went to a physical office) if you get your quotes and buy your policy online. This makes it obvious that you'll save a lot more if you buy online.

But do ensure you do NOT present false information. Insurers are mandated by law to cancel any policy once they can prove that the policy holder gave false details.

Don't also forget to confirm your preferred insurer's rating and standing with your state's department of insurance and other financial rating institutions.

7. You can save a lot of money in auto insurance if you get and compare auto insurance quotes from insurance quotes sites. You'll realize savings if you use just one of such sites. But, you will get more by using at least five.