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Top tips to get the best insurance rates without cutting corners


People are always looking for the best deals when they buy anything new. Especially with the recent economic crisis, more and more folks are becoming more careful of what they spend on and how much they spend. Many Americans overlook the fact that there are bargains to be had and deals to be made in Auto insurance. There are very simply methods by which you can get the best possible deal on your car and insurance requirements. All you need to do is spend a little time considering the pros and cons of the situation. Bear in mind that company guidelines are different and hence discounts also tend to vary.

Here are some simple ways to save on your auto insurance costs:

  1. Alarm and security credits: Many people overlook the already existing safety features of their car. If you have a lot of alarm features on your car, then your auto insurance costs will lessen as it is more secure, make sure you discuss this with your insurance agent.
  2. Driving records: If you have a history of no accidents and no offenses in all the years you have been driving, it is time to negotiate your insurance quote when you renew it. Consider other options and spend good time comparing costs with different companies instead of blindly renewing it with the old company.
  3. Multiple policies: this is a really good way to cut costs. Consider talking a multi-car insurance from a single company if you have more than one vehicle and negotiate the amount you will need to pay. Clubbing home insurance or boat insurance as well from one single company will also help in availing discounts.
  4. Paid in full plans: Many people do not realize that when an auto insurance premium is paid in full for a year, there is considerable money saved than paying it every month. The costs for every month will be higher if you compare.
  5. Defensive driving courses: this is something everyone can take to prove to the insurance company that you are a skilled driver. Make sure you are aware of the courses which can allow you to be eligible for discounts.
  6. Good grades help: most students are not aware of this. Since insurance companies don’t really have much to judge a new applicant or a college student by when they apply for a policy, grades tend to be a factor. If you have good grades, you are likely to get a better discount.