7 Proven Tips For Affordable Auto Insurance

Contrary to what you might have come to expect, you don't really have to do very exceptional things in order to attract the cheapest policy that gives you sufficient coverage. You may be shocked to discover that all that's making it difficult for you to get far cheaper rates are simple things you can easily deal with. Let's look at some of them here...

1. Don't make the mistake of parking your car in places where it won't be safe. This means that you have to do all within your power to NOT park your car in a red light district. I hope you also know that you'll pay less if you have a garage for your car.

Also make sure that your car is always parked in a well-lit area. 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 can get a retiree discount with a good number of insurance carriers. The obvious logic for this discount is that retired persons normally drive less. This will effectively cut down anybody's mileage.

Note that you qualify for this if you're a retiree. You can find out eligibility requirements from your agent. If for some reasons they don't have a retiree discount, don't fail to inform your agent about your change in mileage. Unless the change in your mileage isn't significant, you should shop for another insurer if you don't get a discount.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. By the way, your credit card might already offer this as a benefit so check.

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. You'll get cheaper rates if your car is considered to have a higher safety rating. Safety features should be given top consideration when buying a new vehicle. You will qualify for a Safe Car discount if your car has such features. To get more details on this and how much savings you'll realize by fixing 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? This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. 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. Therefore, do your best to get trained in defensive driving from a recognized center. And, don't forget to tell your agent once you complete the course.

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. 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. 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 might save some hundreds of dollars by simply getting and comparing quotes from at least five quotes sites. And, it will take only a total of 25 minutes.

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