Insurers give give customers who have remained loyal a 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.

Most insurers will also not raise the rates of a long standing policy holder if they make only just one claim. Insurers offer these as incentives to keep you with them since it serves them better too. 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.

You’ll help reduce your rates if you always ensure you park your car in a safe place. Is there a risk of theft, vandalism or accidental damage where you park your car? Then look for a better place as doing otherwise might lead to a claim that will eventually increase your rate. Parking your car in a garage will help you reduce your rate over time.

Also make sure that your car is always parked in a well-lit area. .And for no reason should you leave your car in the open street for a whole night.

You can get discounts from a good number of insurers if you’re part of associations especially the bigger ones. They stand to get many prospects easily if an association decides to adopt them as their insurer. Even though you may not necessarily join an association because you want a group auto insurance discount, it makes sense to take advantage of it if it’s offered to any association you already belong to.

An good way to make sure you get more affordable rates is being careful always while driving. Please, make sure you make it a policy to NOT drive if you even sip any alcoholic beverage.

Traffic offences that are associated to drinking will make you get very high rates. And don’t overlook little things like speeding tickets because they cost you much more than the fine you pay. They eventually raise your rate. Therefore, if it’s a violation of traffic laws, avoid it no matter how minor it may appear to be at the moment.

It’s a smart idea to use the public mass transit whenever you can (Unless where you live has none). This will drive down your mileage. And since mileage is a strong factor that determines your premium, you’ll attract more affordable rates. The rule should be: Use your car only when you do not have a more cost-effective alternative.

And…

The most important route to considerable savings in auto insurance is comparison shopping — Given that you do it correctly. You can get quotes that will have a difference in excess of $1,000. You could easily save so much by just going with the lowest quote. That should apply if you’re simply after the lowest price.

Nevertheless, if you’re looking for the best value to price ratio then you’d have to look at the details of the lowest offers. Different insurance companies may have slight differences for similar policies. It’s wise to ask the agent what’s part of the deal and what’s not.

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