7 Sure-Fire Tips For Affordable Auto Insurance

It doesn't usually take applying very many tips to make massive discounts while maintaining sufficient coverage. You may be surprised to discover that all that's making it difficult for you to get far lower rates are minor things you can quickly take care of. I'll take the pains here to share 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.

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. several insurance carriers give a retiree discount. The simple logic for this discount is that retired persons generally drive less. This will definitely lower anybody's mileage.

Don't forget that you qualify for this discount if you are a retiree. You can learn more about details from your insurance agent. If for some reasons they do NOT have a retiree discount, remember to inform your agent about your change in mileage. Except where the reduction in your mileage isn't considerable, you should switch to another insurance provider if you don't get a discount.

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. By the way, your credit card might already offer this as a benefit so check.

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

4. You'll spend less on auto insurance if your vehicle is considered to have a higher safety rating. Does your vehicle have built-in safety features? You will qualify for a Safe Vehicle discount if your car has such features. For more details on these and how much savings you'll realize by fixing them, talk with your insurance agent.

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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? This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. 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. 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. Getting married will bring down your rate by a huge margin. 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. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

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. This simple act makes it very easy for thieves. 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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Bonus tip...

You can save a lot of dollars by visiting a minimum of five quotes sites. If you do this, you'll get the lowest auto insurance quotes available because five sites will return up to 25 quotes altogether.

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