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An Easy Way To Save Money On Auto Insurance
Most insurance providers use a carrot and stick approach to pricing car insurance rates. Your risk group is based on such things like where you live, what you drive, how you drive and sometimes even the type of job you have. The fact is that, even the most responsible drivers are still not getting all of the discounts they are entitled to. Fortunately, insurance carriers extend a number of discounts, some of which you may or may not be familiar with. Even if you have a less than perfect driving history there are still methods for saving money on auto insurance. For starters, you can group all of your insurance policies together and shop around. Today's modern families have two or more drivers, two or more cars and a homeowner's insurance policy all with totally different carriers.
Just about all automobile insurance companies will provide multiple policy discounts. These savings quite often amount to hundreds of dollars or more per year in savings. Another common incentive is referred to as a loyalty discount. Many carriers will give you a discount for simply remaining a dedicated customer. If you don't see these discounts on your insurance policy, call your insurance agent and ask if they provide one. Chances are good that they do.
Also, if you haven't had any mishaps or tickets in the past five years or more you should see a safe driver discount. The time it takes to be considered a safe driver can be different between carriers as there is no set length of time. If you don't have a safe driver discount on your policy, call your insurance provider to discover how you can become eligible for their safe driver discount. The good news is that these discounts can usually be combined to give you the lowest possible premium for your auto insurance policy.
It is a good idea to shop around and check insurance rates at least once per year. Especially, if you haven't seen a decrease in your premiums since your last renewal. While millions of policy holders go online to save money on their vehicle insurance, many people renew their auto insurance without getting competing quotes. There are a number of web sites that make it easy to get free auto insurance quotes. In less than six minutes you could be getting auto insurance for less. For these reasons, it is an excellent idea to get comparison insurance quotes annually. You work hard for your money so you should keep as much of it as you can.