Lowest Auto Insurance Rates - Simple Ways To Ensure You Get Them

Image : http://www.flickr.com

You really can't drive in many parts of the US without a mandatory minimum auto insurance coverage. This means that for most people it is a compulsory purchase. However, everyone in their right mind will be happy to pay as little as possible for high quality coverage.

Some have found the secret to paying the lowest auto insurance rates for very high quality coverage. Others have yet to find out and their car insurance policy is putting a big (but avoidable) dent on their personal finances.

If you're one of those who have been bearing the burden of paying too much, this piece will help you lower your rate by as much as 50% depending on your profile, coverage needs and how lucky you were when you bought your present policy. Here are things to do if you want the lowest auto insurance rates...

Do your utmost to drive carefully. Please, make sure you make it a policy not to drive if you so much as sip any alcoholic beverage. If you're convicted for driving under the influence (DUI) you've said good-bye to affordable rates for a very long time. Even those speeding tickets do add up to make you pay higher rates on the long run. So, if it's a violation of traffic laws, avoid it no matter how minor it may seem at the time.

And who says your credit rating does not affect your auto insurance rates? Most insurers now take your credit rating into consideration when deciding what you should pay. They claim to have found a correlation between credit history and risk. These insurers claim that they have statistical evidence to show that people who show irresponsible behavior in their finances are almost always reckless on the road.

Finally, do your best to get and compare quotes from not less than five reputable quotes sites. There are over 2,000 insurance companies in the US and no single site returns quotes from a tenth of them. In fact, you'll typically get rate quotes from about five insurers at each site. The more sites you get quotes from the more your chances of getting the lowest auto insurance rates for your profile

So do your best to get many quotes because the difference between insurers could be as wide as several hundreds or even a few thousand dollars. Give it a try and see how much you'll save.

My Links : Insurance, Auto Insurance car insurance estimates