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Get cheap auto owners insurance rates without stretching yourself thin


All of us like to avail discounts with most purchases and more so with auto insurance. There are many ways to get auto owners insurance at affordable rates. All you need to do is to follow a few tips and you can attain your goal. There are some proven tips that will help you save around 50% if used correctly.

  • The auto insurance rates and premiums are largely influenced by the annual mileage. So, whenever it is possible try not to use your car everywhere. If you have an alternative such as a car pool or use the public transport system whenever possible. Use these facilities whenever possible to reduce your annual mileage.
  • If you are under 25 then you will have to take extra measures to ensure you get good auto insurance rates. You can reduce the costs by driving an older model or make. Enroll in a certified driver’s course and build up a good driving record. If you had good grades in school, that will also help in getting you discounts. Students who get even a ‘B’ grade can avail discounts of about 5%. Insurers are absolutely certain that good grades mean a responsible student, and a responsible student means a responsible driver as well.Reckless drivers are most unlikely to get good grades in school.
  • If you are over 55 years of age, then attending a driver’s refresher course will help in availing discounts up to 10%. Check with the insurance agent before you enroll in one.
  • Retired senior citizens can avail a whole lot of discounts because they don’t have to drive down to work. Their driving would also be limited to shorter distances. So, if you can prove that your annual mileage is lesser than the prescribed limits you can avail a whole lot of discount. Most insurance providers will have a retiree discount, so check with the insurance agent before signing up. Also inform about the lesser annual mileage. You can save a considerable sum by informing them about these important things.
  • Install as many safety features as you can such as burglar alarms, auto gas cut off etc. Since these security systems will reduce the risk of theft you can avail a sizeable discount.
  • Some groups also enjoy discounts and if you are part of an auto club you could avail some discounts.
  • Get various online quotes before signing up and try to get the best offers.