Seven Proven Steps For Affordable Auto Insurance

It doesn't normally take applying a hundred tips to make massive discounts while maintaining adequate coverage. Just knowing a few compulsory steps and using them will make a huge difference. Here are several tips that will help you achieve that goal...

1. You'll help reduce your rates if you always ensure you park your car in a safe place. Is there a risk of theft, vandalism or accidental damage where you park your car? Then look for a better place as doing otherwise might lead to a claim that will eventually increase your rate. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

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. The obvious logic for this discount is that retirees generally drive less. A person's annual mileage is an important factor which determines how much they pay in premiums. Therefore, anything that lowers your annual mileage count remarkably should cut down your rate.

The fine points for each insurance provider might be different but this is certainly an excellent way to reduce your automobile insurance rate. Get to know your insurance carrier's policy on this. Even if you don't refer to it as retiree discount, reporting a remarkable decrease in mileage is advisable. Unless the drop in your mileage isn't considerable, you should shop for another insurance provider if you don't get 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.

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

4. A vehicle with a higher safety rating will make you eligible for lower rates than one with a poorer rating all other things being equal. Does your vehicle have built-in safety features? Such mechanisms get you a reasonable discount. Examples of these safety features are air bags, automatic seatbelt, ABS brakes and daytime running lights. Your agent can give you a list of safety devices that will make you eligible for a discount with your insurer.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. 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. 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. 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. 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. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. They generally file fewer claims and when they do, they usually cost less.

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. Every thief checks how easy a target is before making a move. An unlocked car with the engine running? What could be easier?

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Bonus tip...

You will save a lot of money in auto insurance if you get and compare auto insurance quotes from insurance quotes sites. You will realize savings if you visit only one of such sites. However, you'll get better results by using at least five.

The plain reason for this is that you will get a greater number of auto insurance quotes from a wider range of insurance companies. This increases your chances of receiving better quotes.

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