7 Proven Steps For Affordable Car Insurance

It doesn't normally take applying very many tips to make massive discounts while enjoying adequate coverage. It's usually overlooked things that help you get big discounts. Let's go through some of them here...

1. You'll help reduce your rates if you always ensure you park your car in a safe place. Is there a risk of theft, vandalism or accidental damage where you park your car? Then look for a better place as doing otherwise might lead to a claim that will eventually increase your rate. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

And, lest I forget, if you drive out in the night do your best to have your car parked in a well-lit area. That will deter thieves. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Are you retired? Then you should qualify for a retiree discount with a good number of insurance carriers. You will certainly NOT drive as much as you used to do if you retire. A person's total mileage is a big point that influences what they pay in premiums. Therefore, anything that reduces your annual mileage count remarkably should lower your rate.

The details for each insurer may be different but this is definitely an excellent way to cut down your automobile insurance rate. So it is important to ask your agent. Even if they don't call it a retiree discount, telling them of a remarkable drop in mileage is important. Unless the difference in your mileage isn't significant, you should look for another insurer if you are NOT given a discount.

3. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. Do you know that your credit card company might have already given you towing as an extra benefit?

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

4. It will cost you a lot more to insure a vehicle if it has a low safety rating. Select cars that have mechanisms that increase safety. They will make you eligible for a Safe Vehicle Discount. For more details on these and how much you can save by having them, consult your insurance agent.

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5. Do you know that you'll be eligible for a discount if you complete a defensive driving course or any such program approved by your insurer? They enjoy a good discount because they've acquired skills that make them respond better to incidents on the road thus making them safer drivers. This is particularly important for high risk profiles. Being certified as a defensive driver will save a young driver thousands in premiums in a few years. So as much as possible, become a defensive driver especially if you under 25. Once you get certified demand your well-earned discount from your insurer or look for another insurer if they don't give you a decent discount.

6. Although this may sound funny, you can bring down your rates by getting married. I know you won't get married just for this but when you do, it will save you a bit in auto insurance. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. They generally file fewer claims and when they do, they usually cost less.

7. Never leave your car unlocked and running while you dash in to get something. The only easier thing for a thief would be if you handed over your keys as a gift. Remember, they look for easy targets. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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Finally...

You can save much by visiting a minimum of five quotes sites. If you do this, you will make it most likely that you'll get all the lowest auto insurance quotes possible because five sites will return not less than 25 quotes altogether.

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