Author: Michael F. McDonoughbr
Source: ezinearticles.combr
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Have you ever wondered whats really standing in the way of your cheap auto insurance? Have you ever seen the film Six Degrees of Separation? Just like there are six degrees of separation between everybody on earth, there are six degrees of separation standing between you and the low priced insurance your budget deserves. The key is finding the right six degrees and making the most of them!
Number One: A Clean Driving Record
Do you know what the number one thing cranking up your auto insurance rates is? A blemished driving record. Every speeding ticket, accident and traffic violation counts against you. The best thing you could possibly do for yourself to bring down the cost of your insurance is be very, very careful when youre behind the wheel. A clean driving record will do more to help you find cheap auto insurance than a months worth of discounts.
Number Two: Your Car
Yes, your car could actually be standing between you and decent auto insurance rates. Do you know why? Because every year there are certain types of cars that are stolen more frequently, involved in more accidents and convicted of more traffic violations than any other. This information is documented by the Highway Loss Data Institute, publicly available on their website and reviewed as religiously as the Bible by most auto insurance companies. Check the list out the next time you go shopping for a new car and you could save yourself hundreds.
Number Three: Your Age
Its not fair, but drivers under the age of 25 (or having less than 7 years driving experience) are going to pay more for their auto insurance. On the other hand, when you get to be retirement age and can bid a fond farewell to the morning commute you can watch your rates go tumbling. So in a way, it all balances out in the end.
Number Four: Your Job and Your Credit Score
When you were a teenager first getting your license your auto insurance company took a look at your grades to help them determine how responsible you were going to be behind the wheel. Now that youre all grown up theyre going to use your credit score and your job to do the same thing. Teachers and engineers spend much less on insurance than just about any other group of drivers, and the higher your credit score the lower your insurance rates are going to be.
Number Five: Discounts
Have you seen the Progressive commercial with the slightly over exuberant saleswoman? She makes an excellent point. Its amazing what can save you money on your insurance! Make sure you talk to your agent to find out what discounts you qualify for, because if you arent getting all your discounts you can guarantee youre paying too much.
Number Six: Shopping Around
Did you know that not all auto insurance companies are created equal? And because theyre not all equal, not all of them are going to offer you the same price on your insurance coverage. Shopping around and finding the company thats going to offer you the best break is going to go a long way toward helping you shave hundreds off your premiums each year.
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pMichael McDonough is a National Account Executive for QuoteScout.com. To learn more about how to find a target=_new href=http://www.quotescout.com/insurance-articles/auto-insurance/Six-Degrees-of-Separation-Between-You-and-Cheap-Iowa-Auto-Insurance-130.shtml rel=nofollowcheap auto insurance/a visit them on the web at a target=_new href=http://www.QuoteScout.com rel=nofollowhttp://www.QuoteScout.com/a./pbr
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Tags: auto insurance, Auto Insurance Companies, auto insurance rates, cheap auto insurance