Really Cheap Car Insurance -- Time-Tested Recommendations

You can enjoy high value vehicle insurance coverage without paying top price. You only need the right recommendations and the discipline to implement what you'll learn to get a better rate. We'll now take a look at a number of sure-fire ways to get better rates...

1. You're surely paying more than necessary if you've got collision and comprehensive coverage for an old car that isn't a classic. The rationale behind this is that insurers base the reimbursement they make on what is known as the Kelly Blue Book value of your car when you file claims. So even if you've paid your premiums without default for several years but the Kelly Blue Book value shows your vehicle has zero value, you'll get a dime from your insurer and they'll be completely on the good side of the law.

Therefore, stop frittering away your money. The moment a vehicle gets old, drop collision and comprehensive coverage on it. If you do this you will make big savings.

2. Move up your deductible and you'll enjoy better rates. The recommended strategy is to select the highest deductible that you can afford with a measure of ease.

I must remind you that going to provide this amount whenever you file a claim. Therefore make it very high but keep it within easy reach.

3. Drive as little as as you can since it will bring down your mileage and get you a low mileage discount. This is especially true for those of us who reside in cities with modern mass transit networks.

You can equally cut down your mileage by joining a carpool.

4. You will save a lot if you really have between 25-30 minutes. Visit, receive and compare auto insurance quotes from selected insurance quotes sites. The cheapest quote should be what you go for easily.

But, you have to look beyond just the lowest quote to the best price to value ratio. The lowest priced may not offer the best price/value for you as a person.

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