Seven Tested Steps For Cheap Car Insurance

Contrary to what you might have come to expect, you don't really have to do very great things in order to get the cheapest policy that gives you adequate coverage. You may be embarrassed to find out that all that's keeping you from far lower rates are little things you can easily deal with. I'll take the pains in this article to reveal such things...

1. You'll help reduce your rates if you always ensure you park your car 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. I hope you also know that you'll pay less if you have a garage for your car.

And, lest I forget, if you drive out in the night do your best to have your car parked in a well-lit area. That will deter thieves. .And for no reason should you leave your car in the open street for a whole night.

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2. Retirees are given a special discount by many insurers. The simple logic for this discount is that retired persons usually drive less. This will effectively lower anybody's mileage.

The details for each insurer might differ but this is definitely an excellent way to reduce your auto insurance rate. So it's a good thing to discuss this with your insurance agent. Even if they don't refer to it as retiree discount, registering a considerable decrease in mileage is necessary. Except where the difference 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. Have you checked to see if your credit card doesn't already offer this as added value?

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

4. It will cost you much more to buy insurance for a car if it has a poor safety rating. Opt for vehicles that have mechanisms that increase safety. They will qualify you for a Safe Vehicle Discount. Examples of these safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights. For more information on this and how much savings you'll realize by fixing them, discuss with your agent.

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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. 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. 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. 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. Never leave your car unlocked and running while you dash in to get something. This is an open invitation to any thief sniffing around. Remember, they look for easy targets. An unlocked car with the engine running? What could be easier?

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Bonus tip...

You can see savings of hundreds of dollars on your auto insurance policy by getting insurance quotes from insurance quotes sites. The best method is to visit a minimum of five quotes sites and making sure that you input the same (correct) details.

I advise that you use not less than five quotes sites as it will make it less likely that you'll miss out offers not carried by the other sites. This offers you a broader basis for doing more thorough comparisons thereby increasing your chances of getting more for less.

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