Seven Sure-Fire Tips For Affordable Auto Insurance

It doesn't usually take applying a hundred tips to realize massive discounts while maintaining adequate coverage. It's usually little things that result in massive savings. Let's examine some of them here...

1. Make sure your car is always parked 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. Retirees are given a special discount by many insurance companies. You will hardly drive as frequently as you used to do if you retire. Driving less will result in reduced mileage which definitely makes you a lower risk.

This discount is certainly not one any retired person should pass on. Do find out the finer points from your insurance agent. And, if your he/she tells you they don't offer this particular discount, do your utmost to show the remarkable adjustment in your mileage. Unless the drop in your mileage isn't big enough, you should look for another insurance carrier if you are NOT given a discount.

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?

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

4. It will cost you a lot more to buy insurance for a vehicle if it has a low safety rating. Does your car have built-in safety features? You'll qualify for a Safe Vehicle discount if your vehicle has such features.

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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. The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. Being certified as a defensive driver will save a young driver thousands in premiums in a few years. Therefore, do your best to get trained in defensive driving from a recognized center. When you get certified, let your agent know and insist on your discount -- You've earned it.

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. 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 simple act makes it very easy for thieves. Remember, they look for easy targets. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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An extra tip...

You could save some hundreds of dollars by simply obtaining and comparing quotes from about five insurance quotes sites. And, it will take you just about 25 minutes on the whole.