7 Proven Steps For Low Cost Car Insurance

Contrary to all you might have come to expect, you don't really have to do very difficult things in order to attract the most affordable policy that gives you sufficient coverage. You may be shocked to discover that all that's keeping you from far lower rates are little things you can quickly deal with. Here are several tips that will bring you closer to the goal...

1. You'll help reduce your rates if you always ensure you park your car in a safe place. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. Parking your car in a garage will help you reduce your rate over time.

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. Are you retired? Then you can get a retiree discount with most insurance providers. You'll hardly drive as often as you used to do once you are retired. This will effectively bring down anybody's mileage.

The fine points for each insurance carrier may be different but this is certainly an excellent way to cut down your vehicle insurance rate. You can learn more about details from your insurance agent. If for some reasons they don't have a retiree discount, remember to inform your agent about the change in your mileage. You should get a a cheaper rate if the difference in your mileage is considerable.

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 get cheaper rates if your car is considered to have a higher safety rating. Does your vehicle have built-in safety features? You'll be eligible for a Safe Car discount if your vehicle has such features. Your agent can give you a list of safety devices that will get you a discount with your insurance provider.

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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. Being certified as a defensive driver will save a young driver thousands in premiums in a few years. Therefore, do your best to get trained in defensive driving from a recognized center. 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. There is evidence to show that married people are a lot more stable than their unmarried counterparts. This makes them more careful on the road and, therefore, a better risk to insurers. 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 is an open invitation to any thief sniffing around. Every thief checks how easy a target is before making a move. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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Bonus tip...

You can see savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from insurance quotes sites. The best method is to visit not less than five sites and ensuring that you provide the same (correct) details.

I recommend that you use a minimum of five quotes sites as that will make it less likely that you'll miss out offers not presented by the other sites. This gives you a broader basis for doing better comparisons thus increasing your chances of realizing more savings.

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