Car insurance prices have gone up very high and are in the increasing trail. How to get lower rates in car insurance? The oils prices have already reached the scorching levels, touching nearly $140 per barrel; it is very difficult to afford a car. If you have to drive the car for long distances daily, your wallet will become empty within few days and you will be trapped in a very high financial crunch. Now if you think of the car insurance quotes, you will go under high tension.
The car insurance quotes are going high and high with the recession in the world economic conditions. The rise of inflations and the insane rise in the commodity prices, added the situation in the Car insurance market a dull atmosphere. Car owners are now looking for ways and means of getting lower quotes. The demands for cheap car insurances are very high from the insurance customers nowadays. There are some excellent tips for you to reduce the car insurance premiums.
Age is a main factor deciding the insurance premium. Teenagers have to pay more amounts against the premium simply because they are young. As all of us know teen age is the age in which all are more dynamic and vibrant. The teenagers are more active or I say hyper active and can indulge in rash driving. That will end up with high accident percentages among the teens. So if you are a driver with age more than 25, please make sure that you enter these details in the insurance requisition form. Older drivers are assumed to be expert drivers and matured citizens, looking for very careful driving. The percentages of accidents are less with these age group drivers. So the will get maximum discount based on their age.
The driving distance per year is a major factor considered by the insurance providers. If you can limit your average daily covering distance in the car and hence low driving mileage in a year, you are assured of getting cheaper insurance quotes. Less driving distance give less probability of accidents and other damages and hence the company can offer cheap premiums. So think of options to bring down the mileage used in a year. You can try to use public transport system wherever possible or can try to be accommodated in some friend’s vehicle.
A perfect driving without any warnings and speeding tickets will get very less premium. Speeding tickets and warnings are imminent pointer to future accidents. Insurance providers will automatically charge high payments for those with many numbers of speeding tickets and warnings. Please avoid speed driving and rash driving so that you are not booked for any such offences. This will save much amount to pay as premium.
Attend some defensive driving classes arranged by the driving schools in collaboration with the insurance companies. If you undergo these courses, the insurance providers will give much discount in the insurance quotes.
Follow the above four steps you will be getting cheap car insurance quotes.