7 Guaranteed Tips For Affordable Vehicle Insurance

Contrary to what you might have heard, you don't really have to do very difficult things in order to enjoy the most affordable policy that gives you adequate coverage. You may be surprised to discover that all that's making it difficult for you to get far cheaper rates are little things you can easily take care of. I'll take some time out here to show you such things...

1. You'll help reduce your rates if you always ensure you park your car in a safe place. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. I hope you also know that you'll pay less if you have a garage for your car.

And, lest I forget, if you drive out in the night do your best to have your car parked in a well-lit area. That will deter thieves. .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 insurers. The obvious argument for this discount is that retirees normally drive less. Driving less will result in reduced mileage which definitely makes you a better risk.

This discount is certainly not one any retiree should pass on. You can find out eligibility requirements from your insurance agent. And, if your he/she says they do NOT have this very discount, do your utmost to report the remarkable 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. 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. You'll get cheaper rates if your vehicle has a higher safety rating. Does your car have built-in safety features? You will be eligible for a Safe Vehicle discount if your car has such mechanisms. Examples of such safety mechanisms are air bags, automatic seatbelt, ABS brakes and daytime running lights. To get more information on this and how much you can save by fixing them, discuss with your insurance 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. The reason is simple: Defensive drivers are trained to drive safer. This is particularly important for high risk profiles. Being certified as a defensive driver will save a young driver thousands in premiums in a few years. So as much as possible, become a defensive driver especially if you under 25. And, don't forget to tell your agent once you complete the course.

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. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. 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. Never leave your car unlocked and running while you dash in to get something. This simple act makes it very easy for thieves. Car thieves are known to go for easy targets. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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Finally...

You will save a lot of money in auto insurance if you get and compare auto insurance quotes from insurance quotes sites. You will make savings if you use only one of such sites. But keep this in mind, you will get better results by using at least five.

The straightforward logic in this is that you will obtain a greater number of auto insurance quotes from a wider range of insurance companies. This raises your chances of getting better offers.

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