Auto Insurance for Good Drivers – How to Get the Best Rate
July 29th, 2010 | 
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Are you looking for auto insurance for excellent drivers? Want to know how to get the best rates with the best companies? Here’s how …
Auto Insurance for Excellent Drivers
Auto insurance companies like excellent drivers and reward them with lower premiums, sometimes as much as 20% less than the standard rate. But what does it take to qualify as a excellent driver, or “ideal risk driver” as the insurance companies call them:
1. You cannot have had any moving violations within the last three years.
2. You cannot have caused any auto accidents within the last three years.
3. You must be in your mid-twenties or older.
4. You must have a excellent credit rating.
Getting Cheap Auto Insurance for Excellent Drivers
In addition to the discount you automatically get for being a excellent driver, here are some other ways to save on your auto insurance:
Consolidate your insurance – Buy your auto insurance and your homeowners or renters insurance from the same companionship to get a 5% to 15% discount.
Increase you deductible - Rising your deductible can drastically reduce your insurance premium, in some cases up to 50%.
Drop your collision and comprehensive coverage – If the value of your car is worth less than the cost of your insurance plus your deductible, you should consider dropping your collision and comprehensive insurance. This can save you 15% to 30% on your premium.
Question for discounts - Other discounts you may be eligible for contain:
* Senior discount if you’re over 50 years of age.
* Driver’s education discount if you’ve taken a driver’s ed course or a driver’s training course.
* Safety discount if your car has air bags, anti-lock brakes, or daytime running lights.
* Security discount if you have anti-theft diplomacy or burglar alarms installed in your car.
Shop Around
To get the cheapest insurance rate possible you need to compare rates from a number of different insurance companies. You can do this by spending a few hours calling local insurance agencies, but the greatest way is to go to an insurance comparison website where it only takes a few minutes to get quotation marks.
Some comparison sites even have an insurance expert on hand so you can get answers to all you auto insurance questions, and an “Articles” section where you can get more money-saving tips (See link below.)
Visit http://www.LowerRateQuotes.com or click on the following link to get auto insurance for excellent drivers quotation marks from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
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