Seven Proven Tips For Cheap Car Insurance

You don't have to do great things in most cases in order to lower your rates. Just understanding some compulsory things and applying them will make a huge difference. Here are a good number of things that will bring you closer to the goal...

1. Don't make the mistake of parking your car in places where it won't be safe. This means that you have to do all within your power to NOT park your car in a red light district. 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.

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2. Are you retired? Then you should qualify for a retiree discount with a good number of insurers. The simple logic for this discount is that retired persons normally drive less. Driving less will lead to reduced mileage which certainly makes you a better risk.

The details for each insurance carrier might differ but this is definitely a good way to cut down your auto insurance rate. You can find out eligibility requirements from your insurance agent. Even if you don't call it a retiree discount, reporting a dramatic reduction in mileage is important. You deserve a lower rate if the difference in your mileage is significant.

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. You will get cheaper rates if your car has a higher safety rating. Does your car have built-in safety mechanisms? You will be eligible for a Safe Car discount if your vehicle has such features.

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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 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. The savings involved should make any sacrifice you make to go through such a program well worth it. 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. It's commonsense that every person becomes more stable and less reckless once they get married. This stability affects such a person for good when he/she is behind wheels. 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. A lot of folks have lost their cars in the short seconds that they took to dash inside to get something while leaving their cars running and unlocked. Don't make this mistake. The only easier thing for a thief would be if you handed over your keys as a gift. 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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Finally...

You will save a lot of dollars by visiting not less than five quotes sites. That way, you will make it most likely that you'll get all the lowest auto insurance quotes possible since five sites will present up to 25 quotes altogether.

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