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Cheaper Vehicle Insurance — How To Pay Less

05.09.2009 · Posted in Home and Garden Articles

Do you know that you might be losing money if you have a car that you’ve not used for months? Do you have a car that you’ve just forgotten about because of the headaches it gives you or something? Have you removed it from your auto insurance policy?nnFunny as it may seem, this is one reason some folks pay higher rates than they should. I hope this is not the case with you. nnYou will get discounts with many insurance providers for being part of an auto club. Even if this discount is quite little it’s still some savings for you.nnDon’t try to give false information in your bid to get cheaper rates. State things just the way they are. One of the factors that has kept rates as high as they are is insurance fraud. It’s making everyone pay a lot more. nnIf you’re one such people who don’t care what your actions cost the rest, then be informed that your insurance provider will cancel your policy once they discover your details are false.nnThis could make you lose a lot more than what you thought you would save. This is partly because of the added cost you’d bear if your policy lapses (which is what would happen if your insurer cancels your policy).nnIt’s been estimated that insurance fraud adds up to $1,500 to the average family’s insurance premium annually. You can save us all this extra burden by representing your details truthfully.nnStay claims-free for more than three years and most insurers will give you a special discount. Those who understand how to take advantage of this often handle very minor repairs and fixes and so easily become eligible for this discount. Handling little fixes on your own will help you save more as you’ll get a big discount.nnAs an under 25, you can pay lower car insurance premiums if you use your parents’ policy. The fact that you’re of driving age means that your parents are of a lower risk age group.nnTo take advantage of this though, you’ll have to live with your parents and also have the vehicle registered in their name. If you want to be the owner of your car, then be the big boy or girl and also own the higher rates. Sorry, you cannot have both with this alternative. However, you can still make huge savings by clicking the link at the end of this piece.nnCar Insurance For TeensnnAnd…nnYou’ll save much if you will shop around and do detailed comparison. The range of quotes returned per request could be as wide as $1,000 for a given profile. Although this is a good thing, it’s important that you don’t get too excited yet. It’s not usually that straightforward if you’re after the best price to value ratio. nnThe lowest quote may not give you the best price/value. Although each of the quotes offered will certainly give you the same basic coverage, there could be a lot of differences in the details of each insurer’s coverage. This makes it important that you find out if there aren’t any exclusions you won’t like. nnDon’t forget to treat these no-obligation quotes just that way. Don’t feel obliged to pay until you’ve had all your questions answered satisfactorily. You will prevent rude shocks later if you do this.

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