7 Guaranteed Tips For Affordable Vehicle Insurance

It doesn't usually take implementing very many tips to realize massive savings while enjoying sufficient coverage. It's usually small things that bring about big savings. Here are several things that will bring you closer to the goal...

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. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Are you a retired person? Then you're eligible for a retiree discount with most insurance carriers. Retired people don't get to drive to a place of work on a daily basis. This will effectively bring down anybody's mileage.

Note that you qualify for this if you're retired. So it is a good thing to ask your insurance agent. And, if your agent tells you they do NOT offer this very discount, do your best to point out the remarkable difference in your mileage. You are entitled to a lower rate if the change in mileage is considerable.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. 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. A car with a high safety rating will make you eligible for better rates than another with a poor rating all other things being equal. Does your car have built-in safety features? They will make you eligible for a Safe Car Discount.

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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. 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. 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 is an open invitation to any thief sniffing around. 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...

Make out some time to visit a minimum of five insurance quotes sites that provide quotes on auto insurance policies. It will require not more than 25 minutes.

While you visit each site, make sure you input the same details. Doing otherwise will produce misleading results. When you've received your auto insurance quotes, compare them to see which serves your interest best both in price and value.

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