very cheap auto insurance -- tips that guaranteeaffordable car insurance rates there are many things you can do to get verycheap auto insurance. here are a few of them.. 1. good drivers get a special discount knownas the good driver discount if you have stayed claims-free for more thanthree years, you are entitled to this discount what if your insurer refuses to give you thisdiscount? then tell them you will move over to anotherinsurer. any driver with a history as good as yours shouldn't have any problems gettingmuch lower rates -- you are every insurer's dream the mere threat of leaving should make themshift grounds. but if they don't, look for
another insurer 2. where you leave is also very important.that's why insurers will always ask for your zip code accidents are far more likely in densely populatedcities than rural areas. the same also applies to things like break ins and vandalism different areas in the same city also havedifferent risk threats: car theft rate (especially for your particular vehicle), crash rate andso on therefore, check things like these if youare shopping for a new home 3. go for the minimum bodily injury liabilitycoverage stipulated by your state's law. however,
in addition, get an umbrella policy an umbrella policy gives you far more liabilitycoverage per dollar spent than even the most extensive liability coverage within an autoinsurance policy. the following example will buttress this point... let's assume that a man of about 35 years(who lives in new york city) wants to increase his policy's bodily injury liability coverageof $25,000/$50,000 to $100,000/$300,000... ...he'll have to spend about $300 extra inpremium! but compare this to the fact that he couldget a $1 million umbrella policy for just less than $300
it even gets better... if he chooses to raise the coverage amountof his umbrella policy to $2 million dollars, he'll only have to pay only $75 more that's $375 for $2 million worth of liabilitycoverage! see? that's superior coverage for a lot less-- that's the advantage in adding an umbrella policy instead but why should you care about bodily injuryliability coverage in an auto insurance policy? people get hurt in accidents. and you willbe responsible for the claims awarded if you are found to be at fault. claims awarded couldget into the million dollar range and above
in certain cases and did you know that lawyers can go afteryour assets if you don't have enough liability coverage to take care of claims awarded againstyou? this means you could easily lose your life savings and even your home if you don'thave the right protection an umbrella policy protects you from suchsituations but that's not all about the benefits associatedwith an umbrella policy... ...you also get liability coverage that extendsbeyond automobile-related liability claims. an umbrella policy extends to your home andmuch more 4. belonging to certain professions attractsa discount. an engineer, for example, attracts
much lower rates than an engineer. the reasonfor such a discount is that some professions have been proven to be better risks your agent is in a good position to tell youif your occupation is eligible for certain discounts. nevertheless, the discount you'llbe given varies from company to company 5. maintaining more than one policy with thesame carrier also attracts remarkable savings all you must do to qualify for this is topurchase your auto insurance policy from the same insurance carrier that is underwriting,say, your home insurance however, take note of the following... because an insurance provider gave you cheaprates for one policy doesn't mean they will
for another do some research with quotes sites and thendiscuss with your agent. thereafter, you'll be sure as you make your choice because you'llthen know which is more beneficial do your research well. get and compare ratequotes from top insurers at q4l.org