Seven Proven Steps For Cheap Auto Insurance

Contrary to what you might have heard, you don't really need to do very difficult things in order to enjoy the most affordable policy that gives you sufficient coverage. You may be surprised to find out that all that's keeping you from far cheaper rates are little things you can quickly take care of. Here are a good number of tips that will bring you closer to the goal...

1. You'll help reduce your rates if you always ensure you park your car in a safe place. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. I hope you also know that you'll pay less if you have a garage for your car.

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 retired? Then you're eligible for a retiree discount with a good number of insurance carriers. You'll definitely NOT drive as much as you used to do the moment you retire. This will effectively cut down anybody's mileage.

The fine points for each insurer might be different but this is surely an excellent way to lower your automobile insurance cost. Therefore it is important to ask your agent. If for some reasons they do NOT have a retiree discount, don't fail to tell your agent about the change in your mileage. Unless the change in your mileage isn't big enough, you should shop for another insurance carrier if you don't get a discount.

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?

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 car if it has a low safety rating. Opt for cars that have systems that improve safety. They will qualify you for a Safe Car Discount. For more information on these and how much you can save by having them, talk with 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. If you consider the huge discount this will result in, a young driver will definitely save thousands in premium dollars in just a few years. The savings involved should make any sacrifice you make to go through such a program well worth it. And, don't forget to tell your agent once you complete the course.

6. Getting married will bring down your rate by a huge margin. There is evidence to show that married people are a lot more stable than their unmarried counterparts. This makes them more careful on the road and, therefore, a better risk to insurers. Insurers will tell you that their records show that married people make fewer claims. Furthermore, when they do make those claims, they usually cost less on the average than those married by their unmarried counterparts.

7. A lot of folks have lost their cars in the short seconds that they took to dash inside to get something while leaving their cars running and unlocked. Don't make this mistake. The only easier thing for a thief would be if you handed over your keys as a gift. Remember, they look for easy targets. An unlocked car with the engine running? What could be easier?

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An extra tip...

You will save a lot if you do shop around and do proper comparison. The range of quotes presented for a query could be as wide as $1,000 for a given profile. While this is a good thing, it's crucial that you don't get carried away. It's not normally that easy if you're after the best price to value ratio.

The lowest quote may not give you the best price/value. Notwithstanding that each of the quotes presented will definitely give you the same main coverage, there could be several differences in the details of each insurer's coverage. This makes it imperative that you find out if there aren't any exclusions you won't like.

Don't forget to treat these no-obligation quotes as their name implies. Don't feel you have to pay until you've got all your questions answered to your satisfaction. You will be spared rude surprises later if you do this.

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