7 Sure-Fire Steps For Affordable Vehicle Insurance

Contrary to all you might have heard, you don't really need to do very exceptional things in order to attract the cheapest policy that gives you sufficient coverage. It's usually small things that help you get massive discounts. Let's look at a good number of them in this article...

1. Don't make the mistake of parking your car in places where it won't be safe. 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. Parking your car in a garage will help you reduce your rate over time.

Don't forget to always park your car in a well lit area when you're out. This is because thieves avoid well-lit areas but love operating in the dark.

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2. Are you a retired person? Then you should qualify for a retiree discount with most insurance companies. You will certainly NOT drive as frequently as you used to do the moment you are retired. Driving less will lead to reduced mileage which certainly makes you a better risk.

Don't forget that you qualify for this if you're a retired person. Find out your insurance provider's policy on this from your insurance agent. And, if your agent says they do NOT offer this very discount, do your best to show the remarkable change in your mileage. This should reflect in cheaper rates for you.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. Have you checked to see if your credit card doesn't already offer this as added value?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

4. It will cost you a lot more to insure a car if it has a low safety rating. Opt for vehicles that have mechanisms that increase safety. Such mechanisms get you a good discount. To get more information on this and how much you can save by having them, consult your agent.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes This is particularly important for high risk profiles. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short years. Therefore, do your best to get trained in defensive driving from a recognized center. When you get certified, let your agent know and insist on your discount -- You've earned it.

6. Getting married will bring down your rate by a huge margin. It's commonsense that every person becomes more stable and less reckless once they get married. This stability affects such a person for good when he/she is behind wheels. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

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. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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An extra tip...

You can realize savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from insurance quotes sites. The best method is to visit at least five sites and ensuring that you input the same (correct) details.

I advise that you visit at least five quotes sites because it will ensure you do not miss out better quotes not presented by the other sites. This gives you a broader basis for doing better comparisons thus increasing your chances of realizing more savings.

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