Seven Tested Steps For Affordable Vehicle Insurance

It doesn't usually take applying very many tips to get massive savings while enjoying sufficient coverage. You may be shocked to discover that all that's keeping you from far more affordable rates are minor things you can quickly take care of. Let's go through some of them in this article...

1. Don't make the mistake of parking your car in places where it won't be safe. This means that you have to do all within your power to NOT park your car in a red light district. Parking your car in a garage will help you reduce your rate over time.

Also make sure that your car is always parked in a well-lit area. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Are you retired? Then you can get a retiree discount with a good number of insurers. The simple logic for this discount is that retired persons normally drive less. This will certainly bring down anybody's mileage.

The finer details for each insurance carrier might differ but this is certainly an excellent way to lower your vehicle insurance cost. Therefore it's recommended that you ask your agent. And, if your he/she says they don't offer this kind of discount, do your best to point out the dramatic adjustment in your mileage. Unless the change in your mileage isn't significant, you should switch to another insurer if you don't get a discount.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. By the way, your credit card might already offer this as a benefit so check.

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

4. You'll pay less if your vehicle has a higher safety rating. Opt for cars that have systems that improve safety. They will qualify you for a Safe Vehicle 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? The reason is simple: Defensive drivers are trained to drive safer. This means that high risk profiles like teen drivers will benefit a lot from this type of training. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short years. So as much as possible, become a defensive driver especially if you under 25. 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. 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. If you must quickly get something inside, turn your car off, lock up and pocket your keys. Don't leave your car unlocked and running. This simple act makes it very easy for thieves. Car thieves are known to go 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...

You will save a lot of money in auto insurance if you get and compare auto insurance quotes from insurance quotes sites. You will realize savings if you go to just one of such sites. But, you'll get better results by using at least five.

The straightforward logic in this is that you will receive many more auto insurance quotes from a wider range of insurance companies. This raises your chances of receiving better offers.

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