For those who would like to learn how to get lower auto insurance rates, there are some secret tips and tricks that many of the less reputable insurance providers may not be willing to share with you. Whether you own your car outright or have purchased your vehicle with the help of a bank loan, the Federal Government has made it mandatory for all automobile owners to have some sort of car insurance. This mandate makes it easy for some of the less reliable insurance companies to take advantage of their policy owners.
Tickets and Citations
For the best auto insurance rates, always try to keep your driving record as clean as possible. Everyone makes mistakes, but one minor speeding ticket should not automatically increase your monthly premium unless you were traveling dangerously in excess of the speed limit. If you feel that the speeding ticket was unjustified, then you can actually take it to court.
If you win the case, then you don’t have to pay the fine. This means that no points will appear on your driving record. You might be surprised to learn that many of these cases are won in court simply because the officer who issued the citation fails to appear. If he or she is a “no show”, then you automatically win.
Safety Courses and Anti-Theft Devices
Attending a Drivers Safety Course many be a great way to reduce the total number of points on your driving record which leads to the best auto insurance rates possible. This signals to your provider that you are taking your driving practices seriously.
For those who really want to learn how to lower auto insurance rates, consider buying a car with a high-tech safety alarm system. Those sirens and honking noises can be irritating when they accidently go off, but your monthly premiums can be significantly lower as a result. For older model cars, some insurance companies offer discounts if you promise to use “the club” or other types of portable, locking mechanisms that attach directly to the steering wheel.