It doesn't usually take implementing a hundred tips to realize massive savings while maintaining adequate coverage. It's normally little things that result in big discounts. Let's look at a good number of them in this article...
1. Don't make the mistake of parking your car in places where it won't be safe. 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. 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.
2. Are you a retired person? Then you can get a retiree discount with several insurers. The plain logic for this discount is that retirees usually drive less. Driving less means lower mileage which definitely makes you a better risk.
This discount is certainly not one any retired person should overlook. Do find out details from your insurance agent. Even if they don't refer to it as retiree discount, telling them of a dramatic decrease in mileage is recommended. This should bring about better rates for you.
3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. 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. It will cost you much more to insure a vehicle if it has a poor safety rating. Go for vehicles that have features that improve safety. They'll make you eligible for a Safe Vehicle Discount.
5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. They enjoy a good discount because they've acquired skills that make them respond better to incidents on the road thus making them safer drivers. 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. And, don't forget to tell your agent once you complete the course.
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. 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. 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.
Finally...
While you do these other things to lower your auto premium, here's what to do to receive lower rates now: Visit good insurance quotes sites and obtain quotes.
Visit not less than five of such sites for the best results. It's free, quick and easy. However, ensure you give your correct details as you complete the questionnaires on each site. The last step is to simply pick the quote that gives you the best price/value from the quotes you've obtained.
