Seven Proven Steps For Affordable Car Insurance

It doesn't normally take applying a hundred tips to make massive savings while enjoying adequate coverage. It's normally small things that bring about massive discounts. 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. 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.

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2. several insurance carriers give a retiree discount. Retired folks do NOT need to drive to a place of work every day. Driving less means lower mileage which surely makes you a lower risk.

This discount is surely not one any retiree should overlook. Get your insurance provider's position on this from your agent. And, if your he/she says they do NOT offer this kind of discount, do your best to point out the big change in your mileage. This should result in lower rates for you.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. Have you checked to see if your credit card doesn't already offer this as added value?

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 vehicle with a high safety rating will make you eligible for better rates than another with a poorer rating all other things being the same. Safety ratings should get top consideration when buying a new car. You will qualify for a Safe Vehicle discount if your car has such mechanisms.

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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? They enjoy a good discount because they've acquired skills that make them respond better to incidents on the road thus making them safer drivers. This means that high risk profiles like teen drivers will benefit a lot from this type of training. 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. 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. This simple act makes it very easy for thieves. Car thieves are known to go for easy targets. An unlocked car with the engine running? What could be easier?

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An extra tip...

You can get lower quotes on auto insurance now by visiting at least five quotes sites. Each quotes site will require about 5 minutes or less to obtain quotes. (Some people give details that is not quite correct about themselves. That isn't a smart move since the quotes you'll get this way won't be of any use to you).

You'll simply pick lowest auto insurance quote for you from the list of quotes you've obtained. It's as simple as that. Nevertheless you could get savings hundreds of dollars.

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