7 Tested Tips For Affordable Auto Insurance

It doesn't usually take applying a hundred tips to realize massive discounts while enjoying sufficient coverage. You may be shocked to find out that all that's keeping you from far cheaper rates are simple things you can easily deal with. Here are several tips that will help you achieve that goal...

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. Parking your car in a garage will help you reduce your rate over time.

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. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Retirees are offered a special discount by several insurance providers. Retired folks don't have to drive to a place of work on a daily basis. Driving less will result in lower mileage which certainly makes you a better risk.

Don't forget that you are eligible for this if you are a retiree. Get to know your insurer's policy on this from your insurance agent. And, if your agent says they don't have this very discount, do your best to report the dramatic difference in your mileage. You deserve 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?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

4. A vehicle with a higher safety rating will get you lower rates than another with a poorer rating all other things being equal. Opt for cars that have mechanisms that increase safety. You'll qualify for a Safe Vehicle discount if your car has such features. Examples of these safety mechanisms are air bags, automatic seatbelt, ABS brakes and daytime running lights.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. The reason is simple: Defensive drivers are trained to drive safer. The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. 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. 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. 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. Remember, they look 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...

Make out some time to visit a minimum of 5 insurance quotes sites that provide quotes on auto insurance policies. This should require around 25 minutes.

While you visit each quotes site, ensure you input the same details. Doing otherwise will return misleading results. After you've obtained your auto insurance quotes, compare them to determine which serves your interest best in price/value.

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