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Auto Owners Insurance Guide to Obtain Cheaper Coverage

December 16th, 2009

cheap-auto-insurance-guide.jpgToday’s article on how to find cheaper auto insurance coverage comes to us from DigitalPoint author “course575″. Although the word usage seems rather peculiar, it actually represents an improvement over the regurgitated and repetitive content that I received from the previous author. This time we actually have some discussion about different factors that can count towards getting lower car insurance rates, some of which were new to me (for example, better grades and retirement). If you are aware of any other such factors that are not listed here, you can mention these in the comment section below so that we can add them to the list.

One cannot undermine the fact that most vehicle owners have very little knowledge about auto owners insurance. This lack of knowledge becomes transparent when you decide to dig out the facts. Unfortunately, in most cases the realization factor erupts too late. However, if you are adamant to increase your knowledge base to avoid such mistakes, then let me unleash some of the proven ways through which you can lower your insurance rate.

Annual Mileage

The annual mileage can be a huge influencing factor for the auto owners insurance. It’s in your best interest to do everything within your power to control your annual mileage.

Good Grades

Individuals below 25 years of age have to pay more premium in comparison to individuals above this age group. However, if you are able to get at least a “B” grade, then you manage to get discount of about 5% or more. Insurance companies like to believe that bad grades have a relationship with reckless driving.

Driver’s Refresher Course

Individuals above the age of 55 can grab a discount, if they take a driver’s refresher course test. If you pass this test, then you will find yourself eligible for discount up to 10%.


Retired folks are also offered special discount by several insurance providers. The discount is primarily based on the assumption that retired individuals will have relatively less annual mileage as they do not travel to their workplace.

Safety Measures

Installing car safety features can also play a huge role to help you avail discount on auto owners insurance coverage. The chances of theft are very less if you have all the security measures in place, which is why safety mechanisms prompts insurance companies to offer your better rates. Vehicle owners who do not have anti-theft mechanisms installed within their cars are depriving themselves from safety as well as sizeable amount of discount.

Some providers will also offer you discount if you are a member of a particular auto club. As you decide upon the course of action to avail cheap auto owners insurance coverage, you can simultaneously obtain free auto insurance quotes by spending some time online.

Take time to visit websites which provide insurance quotes from different providers. Make sure that you get quotes from at least four to five companies before you close your search. While obtaining quotes, make sure that you provide correct information, in order to receive accurate quotes. Compare all the quotes, and choose the one which bests suits your needs and budget.

Related Article: How to Buy Auto Insurance Online

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