7 Tested Tips For Low Cost Vehicle Insurance

Contrary to what you might have been told, you don't really have to do very difficult things in order to enjoy the most affordable policy that gives you sufficient coverage. Just knowing some compulsory steps and implememting them will make a huge difference. Let's look at some of them in this article...

1. Make sure your car is always parked in a safe place. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. Parking your car in a garage will help you reduce your rate over time.

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.

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2. Are you a retired person? Then you should qualify for a retiree discount with a good number of insurance companies. The plain argument for this discount is that retirees generally drive less. This will effectively bring down anybody's mileage.

The fine points for each insurance provider may differ but this is certainly a good way to cut down your car insurance rate. So it's recommended that you ask your agent. If for some reasons they do NOT have a retiree discount, don't forget to tell your insurance agent about your change in mileage. You deserve a reduction in rate if the change in mileage is big.

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.

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. You will get cheaper rates if your vehicle is considered to have a higher safety rating. Safety features should receive top consideration when buying a new car. Such systems attract a reasonable discount.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. 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. 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. When you get certified, let your agent know and insist on your discount -- You've earned it.

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. They generally file fewer claims and when they do, they usually cost less.

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. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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An extra tip...

You can get savings of hundreds of dollars on your auto insurance policy by getting insurance quotes from quote sites. The best way is to visit a minimum of five quotes sites and ensuring that you input the same (correct) information about yourself.

I recommend that you visit at least five quotes sites since it will make it less likely that you'll miss out better quotes 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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