7 Proven Tips For Low Cost Auto Insurance

Contrary to what you might have heard, you don't really need to do very great things in order to get the most affordable policy that gives you sufficient coverage. It's normally overlooked things that help you get big savings. Here are several things that will help you achieve that goal...

1. Make sure your car is always parked in a safe place. This means that you have to do all within your power to NOT park your car in a red light district. Parking your car in a garage will help you reduce your rate over time.

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.

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2. Retirees are given a special discount by a good number of insurance providers. Retired persons don't get to drive to a place of work on a daily basis. This will definitely lower anybody's mileage.

The fine points for each insurance provider may be different but this is definitely a good way to cut down your automobile insurance rate. You can find out the finer points from your agent. Even if they don't refer to it as retiree discount, registering a considerable drop in mileage is important. You deserve a lower rate if the decrease in mileage is big.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. 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. A vehicle with a high safety rating will get you lower rates than another with a lower rating all other things being the same. Does your car have built-in safety mechanisms? Such features attract a big discount. For more details on this and how much you can save by having them, consult your 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? The reason is simple: Defensive drivers are trained to drive safer. This means that high risk profiles like teen drivers will benefit a lot from this type of training. 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. When you get certified, let your agent know and insist on your discount -- You've earned it.

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. 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. 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. Never leave your car unlocked and running while you dash in to get something. This simple act makes it very easy for thieves. Car thieves are known to go for easy targets. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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An extra tip...

You will save much by visiting at least five quotes sites. If you do this, you'll be able to get the lowest auto insurance quotes possible as five sites will give not less than 25 quotes altogether.

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