Seven Tested Steps For Low Cost Car Insurance

You don't need to do great things in most cases in order to reduce your rates. Just understanding a few compulsory steps and implememting them will make a real difference. Following are a good number of things that will bring you closer to the goal...

1. Don't make the mistake of parking your car in places where it won't be safe. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. I hope you also know that you'll pay less if you have a garage for your car.

Also make sure that your car is always parked in a well-lit area.

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2. Are you a retired person? Then you can get a retiree discount with a good number of insurance companies. Retired folks do NOT need to drive to a place of work every day. This will effectively lower anybody's mileage.

This savings option is surely not one any retired person should pass on. Do find out details from your agent. Even if they don't call it a retiree discount, registering a dramatic reduction in mileage is advisable. Unless the drop in your mileage isn't significant, you should shop for 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. Have you checked to see if your credit card doesn't already offer this as added value?

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

4. A car with a higher safety rating will attract cheaper rates than one with a poorer rating all other things being equal. Select vehicles that have mechanisms that increase safety. Such systems get you a good discount. Your insurance agent can give you a list of safety systems that will make you eligible for a discount with your insurance company.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes 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. So as much as possible, become a defensive driver especially if you under 25. Once you get certified demand your well-earned discount from your insurer or look for another insurer if they don't give you a decent discount.

6. Getting married will bring down your rate by a huge margin. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

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. Remember, they look 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 selected insurance quotes sites. The cheapest offer should be what you go for easily.

However, you have to go beyond simply the cheapest price to the best price to value ratio. The cheapest may not be the best price/value for you as a person.

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