Seven Tested Tips For Low Cost Auto Insurance

Contrary to all you might have heard, you don't really need to do very great things in order to attract the most affordable policy that gives you adequate coverage. Just knowing some compulsory steps and implememting them will make a real difference. Let's look at a good number of them here...

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. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

Also make sure that your car is always parked in a well-lit area. .And for no reason should you leave your car in the open street for a whole night.

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2. Are you retired? Then you should qualify for a retiree discount with several insurance carriers. Retired people don't have to drive to a place of work on a daily basis. Driving less means lower mileage which surely makes you a lower risk.

This savings option is surely not one any retired person should ignore. So it is a good thing to ask your insurance agent. Even if they don't call it a retiree discount, telling them of a considerable drop in mileage is recommended. You should get a reduction in rate if the drop 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. Do you know that your credit card company might have already given you towing as an extra benefit?

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

4. A car with a high safety rating will attract cheaper rates than one with a poor rating all other things being the same. Does your vehicle have built-in safety mechanisms? You will be eligible for a Safe Car discount if your car has such mechanisms. Your agent can help you with a list of safety systems that will get you a discount with your insurance company.

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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. 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. 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. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. 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. The only easier thing for a thief would be if you handed over your keys as a gift. Remember, they look 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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An extra tip...

Visit at least five quotes sites. Requesting quotes from at least five quotes sites raise the chances that you'd obtain cheaper auto insurance quotes. This is because insurance companies not represented by one site will be represented by another.

Moreover, you should understand that because your chances of getting lower auto insurance quotes is proportional the range of quotes you obtain, the more insurers you obtain quotes from, the brighter your chances will be.

Getting your auto insurance quotes online will help you save a bundle if you sacrifice only 25 minutes to get quotes from not less than five insurance quotes sites.

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