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Thursday, September 17, 2009

Cheapest Auto Insurance: Recommendations For Certain Age Ranges

By Chimezirim Odimba

We all are aware of the fact that hardly any other age range pays as much for auto insurance as drivers who are less than 25. But for people who find themselves in this age bracket, getting good grades at school will go a long way to help you get cheaper rates. It's called the good student discount.

You have to maintain a grade point of not less than B to have a good student discount. It attracts a discount of about 5%. Experience has shown insurers that what makes a student maintain excellent grades is a level of responsibility which is also carried while driving. Young drivers who maintain good grades are generally seen as more responsible and less likely to take to reckless driving.

Online Auto Insurance Quotes

2. For folks who are above 55 years of age, you get a discount after a drivers' refresher course. Passing such a course will make you eligible for discounts as high as ten percent. Find out from your insurance agent about your insurance carrier's position on this and how to go about it.

3. Retired persons are offered a special discount by a good number of insurance companies. The obvious argument for this discount is that retired persons usually drive less. This will effectively lower anybody's mileage.

Note that you are eligible for this discount if you are a retiree. So it's recommended that you discuss this with your agent. And, if your agent says they do NOT have this kind of discount, do your best to show the big change in your mileage. You deserve a reduction in rate if the change in mileage is considerable.

4. Take out some time to visit at least 5 insurance quotes sites that offer quotes on auto insurance policies. This should take you not more than 25 minutes.

While you visit each site, make sure you give the same information. Doing otherwise will produce misleading results. When you've obtained your auto insurance quotes, compare them to see which serves your interest best both in price and value. - 21396

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