7 Sure-Fire Steps For Affordable Vehicle Insurance

You don't need to do difficult things in most cases in order to reduce your rates. It's generally small things that result in massive savings. Let's go through some of them here...

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. I hope you also know that you'll pay less if you have a garage for your car.

Don't forget to always park your car in a well lit area when you're out. This is because thieves avoid well-lit areas but love operating in the dark.

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2. Many companies offer a retiree discount. You will definitely NOT drive as much as you used to do the moment you are retired. This will definitely bring down anybody's mileage.

This savings option is definitely not one any retiree should overlook. Do find out eligibility requirements from your insurance agent. If for some reasons they do NOT have a retiree discount, remember to tell your insurance agent about your change in mileage. Unless the reduction in your mileage isn't big enough, you should switch to another insurer if you don't get a decent discount.

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?

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

4. A vehicle with a high safety rating will make you eligible for lower rates than one with a poor rating all other things being equal. Does your car have built-in safety features? You'll qualify for a Safe Car discount if your vehicle has such features. Examples of these safety mechanisms are air bags, automatic seatbelt, ABS brakes and daytime running lights.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. 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 is particularly important for high risk profiles. 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. And, don't forget to tell your agent once you complete the course.

6. Marriage is something that will do your auto insurance rates a world of good. This is true even though you can't just go off to marry just because of this. 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. Never leave your car unlocked and running while you dash in to get something. 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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Bonus tip...

Make out some time to visit not less than five insurance quotes sites that offer quotes on auto insurance policies. This will require around 25 minutes.

As you visit each site, ensure you give the same information. Doing otherwise will produce misleading results. When you've obtained your auto insurance quotes, compare them to see which serves your interest best in price/value.

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