Seven Guaranteed Steps For Cheap Auto Insurance

You don't have to do difficult things in most cases in order to reduce your rates. You may be surprised to find out that all that's keeping you from far more affordable rates are simple things you can quickly take care of. I'll take some time out in this article to explore some of those things...

1. Don't make the mistake of parking your car in places where it won't be safe. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. Parking your car in a garage will help you reduce your rate over time.

Also make sure that your car is always parked in a well-lit area. .And for no reason should you leave your car in the open street for a whole night.

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2. Retirees are given a special discount by many insurance providers. You will definitely NOT drive as frequently as you used to do once you retire. Driving less will lead to lower mileage which surely makes you a lower risk.

The details for each insurance provider may differ but this is definitely a good way to reduce your vehicle insurance cost. Therefore it is recommended that you discuss this with your insurance agent. Even if they don't refer to it as retiree discount, telling them of a remarkable reduction in mileage is advisable. Unless the drop in your mileage isn't big enough, you should shop for another insurance carrier if you are NOT given a decent discount.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. By the way, your credit card might already offer this as a benefit so check.

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. A car with a high safety rating will attract cheaper rates than another with a lower rating all other things being equal. Opt for vehicles that have systems that increase safety. Such mechanisms get you a reasonable discount. Examples of these safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights.

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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 This means that high risk profiles like teen drivers will benefit a lot from this type of training. 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. This is an open invitation to any thief sniffing around. Remember, they look 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 can get lower rates on auto insurance today by visiting at least five insurance quotes sites. Each site will take you about 5 minutes or less to receive quotes. (Some people fill in information that are not quite true about themselves. That is NOT smart as the quotes you'll get this way will NOT be of any use to you).

You'll simply choose the best auto insurance quote for you from the list of quotes returned. That's all there is to it. Nevertheless you could make savings hundreds of dollars.

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