Seven Tested Tips For Affordable Car Insurance

You don't need to do difficult things in most cases in order to bring down your rates. You may be embarrassed to discover that all that's keeping you from far more affordable rates are minor things you can quickly take care of. Following are several tips that will help you achieve that goal...

1. You'll help reduce your rates if you always ensure you park your car 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. Retired persons are given a special discount by a good number of insurance providers. The plain logic for this discount is that retired persons generally drive less. Driving less will lead to reduced mileage which surely makes you a better risk.

The finer details for each insurance company might differ but this is definitely a good way to cut down your automobile insurance rate. So it's important to discuss this with your insurance agent. And, if your he/she says they don't offer this particular discount, do your utmost to point out the dramatic difference in your mileage. This should reflect in cheaper rates for you.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. Do you know that your credit card company might have already given you towing as an extra benefit?

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'll pay less if your car is considered to have a higher safety rating. Go for vehicles that have systems that increase safety. You'll be eligible for a Safe Vehicle discount if your car has such features. Your agent can give you a list of safety devices that will get you a discount with your insurance company.

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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? 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. 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. 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. 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 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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An extra tip...

You'll save a lot if you do shop around and do proper comparison. The range of quotes received per request could be as wide as $1,000 for a given profile. Notwithstanding that this is a good thing, it's crucial that you don't get carried away. It's not usually that easy if you're after the best price to value ratio.

The cheapest price may not offer you the best price/value. Although each of the quotes presented will definitely give you the same basic coverage, there could be several differences in the details of coverage. This makes it crucial that you find out if there aren't any exclusions you won't like.

Remember to treat these no-obligation quotes just that way. Don't feel you have to pay until you've got all your questions answered to your satisfaction. You will never get rude shocks later if you do this.

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