7 Sure-Fire Tips For Affordable Auto Insurance

It doesn't usually take implementing very many tips to get massive discounts while enjoying adequate coverage. It's generally small things that result in big savings. I'll take some time out in this article to reveal such things...

1. You'll help reduce your rates if you always ensure you park your car 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.

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. Many insurance providers give a retiree discount. Retired folks don't get to drive to work every day. A person's annual mileage is an important issue which determines what is paid in premiums. So any event that brings down your annual mileage count considerably should cut down your rate.

Note that you are eligible for this if you are retired. Do find out the finer points from your insurance agent. And, if your he/she says they don't offer this very discount, do your utmost to report the big difference in your mileage. This should bring about cheaper rates for you.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. Have you checked to see if your credit card doesn't already offer this as added value?

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

4. A car with a higher safety rating will get you better rates than another with a lower rating all other things being equal. Select vehicles that have systems that improve safety. Such systems get you a big discount. Examples of these safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights. For more details on these and how much savings you'll realize by having them, discuss with your agent.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes This means that high risk profiles like teen drivers will benefit a lot from this type of training. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short 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. Marriage is something that will do your auto insurance rates a world of good. This is true even though you can't just go off to marry just because of this. 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. 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. Car thieves are known to go for easy targets. An unlocked car with the engine running? What could be easier?

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Finally...

You can lower your auto insurance rates by obtaining and evaluating quotes from at least five reputable quotes sites.

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