7 Sure-Fire Tips For Cheap Car Insurance

Contrary to all you might have heard, you don't really need to do very difficult things in order to attract the cheapest policy that gives you adequate coverage. Just knowing some compulsory things and using them will make a huge difference. Let's look at some of them in this article...

1. You'll help reduce your rates if you always ensure you park your car 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. I hope you also know that you'll pay less if you have a garage for your car.

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. .And for no reason should you leave your car in the open street for a whole night.

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2. A good number of insurance carriers offer a retiree discount. The simple argument for this discount is that retired persons usually drive less. A driver's annual mileage is a strong factor which influences how much they pay in premiums. Therefore, any event that reduces your total mileage considerably should lower your rate.

Don't forget that you are eligible for this if you are a retiree. So it is a good thing to ask your insurance agent. Even if you don't call it a retiree discount, registering a remarkable cut in mileage is recommended. This should reflect in better 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?

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

4. You will pay less if your vehicle is considered to have a higher safety rating. Safety features should be given more consideration when buying a new vehicle. They will qualify you for a Safe Car Discount.

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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. When you get certified, let your agent know and insist on your discount -- You've earned it.

6. Getting married will bring down your rate by a huge margin. 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. 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. Car thieves are known to go for easy targets. An unlocked car with the engine running? What could be easier?

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Bonus tip...

You will save a lot if you really have between 25-30 minutes. Visit, get and compare auto insurance quotes from several insurance quotes sites. The cheapest quote should be what you pick easily.

Nevertheless, you have to look beyond simply the cheapest quote to the best price/value. The lowest priced may not offer the best price/value for you as a person.

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