7 Guaranteed Tips For Cheap Auto Insurance

Contrary to what you might have been told, you don't really have to do very exceptional 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 big difference. Let's go through some of them in this article...

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.

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. It's certainly not a good idea to leave your car in the open street all through the night.

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2. several companies offer a retiree discount. The plain logic for this discount is that retirees usually drive less. A person's annual mileage is a strong point which influences how much is paid in premiums. Therefore, anything that lowers your annual mileage remarkably must lower your rate.

Note that you qualify for this if you're a retired person. You can learn more about the finer points from your insurance agent. If for any reason they do NOT have a retiree discount, don't forget to inform your agent about the change in your mileage. You should get a a cheaper rate if the change in your mileage is significant.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. 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. A vehicle with a high safety rating will get you better rates than one with a poorer rating all other things being the same. Opt for cars that have mechanisms that increase safety. Such features get you a good discount. Examples of such safety mechanisms are air bags, automatic seatbelt, ABS brakes and daytime running lights.

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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? The reason is simple: Defensive drivers are trained to drive safer. 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. The savings involved should make any sacrifice you make to go through such a program well worth it. 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. 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. Every thief checks how easy a target is before making a move. An unlocked car with the engine running? What could be easier?

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Finally...

You can save a lot of dollars by visiting at least 5 quotes sites. If you do this, you'll make it most likely that you'll get all the lowest auto insurance quotes possible since five sites will return not less than 25 quotes altogether.

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