Seven Tested Steps For Affordable Car Insurance

It doesn't normally take applying very many tips to make massive savings while enjoying adequate coverage. Just knowing some compulsory things and implememting them will make a real difference. Let's examine a good number of them here...

1. Make sure your car is always parked in a safe place. Is there a risk of theft, vandalism or accidental damage where you park your car? Then look for a better place as doing otherwise might lead to a claim that will eventually increase your rate. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

Don't forget to always park your car in a well lit area when you're out. This is because thieves avoid well-lit areas but love operating in the dark. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Retired persons are given a special discount by several insurers. Retired people don't need to drive to work on a daily basis. This will definitely lower anybody's mileage.

The finer details for each insurer might be different but this is surely a good way to reduce your automobile insurance cost. Find out your insurance carrier's stance on this from your insurance agent. If for some reasons they don't have a retiree discount, remember to tell your agent about the change in your mileage. You deserve a a cheaper rate if the decrease in mileage is considerable.

3. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. 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 get you lower rates than another with a lower rating all other things being equal. Safety ratings should receive more consideration when buying a new vehicle. Such features get you a reasonable discount. Examples of such safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes This means that high risk profiles like teen drivers will benefit a lot from this type of training. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short years. Therefore, do your best to get trained in defensive driving from a recognized center. 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. 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. 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 more by visiting not less than 5 quotes sites. If you do this, you'll make it most likely that you'll get all the lowest auto insurance quotes available because five sites will present up to 25 quotes altogether.

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