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Use these Smart Tips For Really Low Insurance Rates

You've heard the commercials, now find out how to really get a lower insurance rate.  From stacking coverages to opting out of claiming all your car's safety features, here's how to get a really low insurance rate.

Finding lower insurance rates is part science and part art.  It takes the sense to know which company is going to give you a lower rate, and the sensibility to cut coverages you don't need.There's another element to successfuly finding the lowest possible insurance rate too. That's where these helpful tips for low insurance rates come in handy.

Here's how to really get a low insurance rate...

1. Cut out comprehensive coverage. Especially if you are in a low theft area, and rarely get in an accident, comprehensive coverage accounts for more than half of your policy cost in some cases. Remove this coverage and you really will get a low insurance rate. (NOTE: comprehensive is required in some states and removes collision, theft and other damage protection like flood, fire and glass).

2. In states that allow stacked insurance coverage, choose this option, then select the lowest possible amount of medical and liability coverage you can. By stacking car insurance coverage you double the amount of protection on one vehicle in case of an accident, because you are using the coverage of two cars. The downside is you have to insure two vehicles, so this tip for lower insurance rates is only good for families and two car drivers.