There are many things on our minds these days. And while we'll like affordable car insurance rates, we are often too occupied to really think through steps that will ensure that we enjoy such rates. Here are few things that you mustn't lose sight of...
1. The longer you stick with the same insurer the more you stand to gain for two reasons: The long term discount and accident forgiveness. Most insurers will give you a discount of about 5% if you stay with them for up to five years (some will give you once you stay for up to three.
This is the long term discount. The accident forgiveness discount means that your insurer will not raise your rates if you file just one claim. These are all incentives for you to stay with them for as long as possible. The longer you stay, the more you'll save. However, what you may save by switching to another insurer might far outweigh all the incentives you'll get depending on what your rates are and how much another insurer is ready to offer.
2. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Cars in the same neighborhood may fall under different risk zones as far as your insurer is concerned. So check with your agent before you commit to a new home. The truth is that most people don't think about this when they are about buying a home. Since you may live in the same home for decades to come, a difference of $200 in auto insurance rates would amount to thousands over the years.
3. Get and compare quotes from five or more sites if you're at all serious about getting considerable savings. This is the surest way for you to find the best rates from all the offers out there.
The best part of it all is that the entire process is free, quick and very convenient. You'll only spend about five minutes at most on each site.
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