Seven Sure-Fire Tips For Cheap Car Insurance

It doesn't normally take implementing a hundred tips to make massive discounts while maintaining sufficient coverage. You may be embarrassed to find out that all that's keeping you from far cheaper rates are simple things you can quickly take care of. I'll take some time out here to show you such things...

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. 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.

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2. Retired persons are offered a special discount by many insurance providers. Retired people don't have to drive to work every day. A driver's annual mileage is a big factor that determines what they pay in premiums. Therefore, any event that lowers your total mileage considerably should cut down your rate.

The finer details for each insurance provider may differ but this is surely a good way to lower your auto insurance cost. So it's a good thing to ask your agent. Even if you don't call it a retiree discount, reporting a dramatic reduction in mileage is advisable. You should get a reduction in rate if the decrease 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. A vehicle with a high safety rating will make you eligible for cheaper rates than one with a poorer rating all other things being the same. Safety ratings should receive more consideration when shopping for a new car. They'll qualify you for a Safe Car Discount. Your agent can give you a list of features that will make you eligible for a discount with your insurer.

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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 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. 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. 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. 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. 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. This is an open invitation to any thief sniffing around. Car thieves are known to go 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...

Take out some time to visit at least 5 insurance quotes sites that offer quotes on auto insurance policies. It should require not more than 25 minutes.

While you visit each site, make sure you give the same details. Doing otherwise will give you misleading quotes. When you've obtained your auto insurance quotes, compare them to determine which serves your interest best in price/value.

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