7 Proven Tips For Affordable Vehicle Insurance

Contrary to all you might have heard, you don't really have to do very exceptional things in order to enjoy the most affordable policy that gives you adequate coverage. You may be surprised to discover that all that's keeping you from far cheaper rates are minor things you can quickly take care of. I'll take some time out in this article to reveal 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. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Retired persons are given a special discount by several insurance providers. Retired folks don't have to drive to a place of work on a daily basis. This will certainly lower anybody's mileage.

The finer details for each insurance company might differ but this is certainly a good way to lower your auto insurance cost. You can find out eligibility requirements from your insurance agent. If for any reason they do NOT have a retiree discount, remember to tell your agent about the change in your mileage. You should get a reduction in rate if the decrease in your mileage is considerable.

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?

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. It will cost you much more to buy insurance for a car if it has a low safety rating. Go for cars that have systems that improve safety. They will make you eligible for a Safe Car Discount. Examples of such safety mechanisms are air bags, automatic seatbelt, ABS brakes and daytime running lights. Your insurance agent can give you a list of features that will make you eligible for a discount with your insurance company.

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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. 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. 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. 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. This is an open invitation to any thief sniffing around. Every thief checks how easy a target is before making a move. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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Bonus tip...

You will save a lot if you only have between 25-30 minutes. Visit, get and compare auto insurance quotes from selected insurance quotes sites. The lowest offer should be your choice easily.

However, you have to go beyond simply the cheapest price to the best price to value ratio. The lowest priced may not be the best price/value for you as an individual.