Seven Guaranteed Tips For Affordable Auto Insurance

You don't have to do great things in most cases in order to bring down your rates. You may be surprised to find out that all that's keeping you from far lower rates are simple things you can quickly deal with. Let's examine some of them here...

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. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

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

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2. Retired persons are offered a special discount by many insurers. You will certainly NOT drive as much as you used to do the moment you are retired. A person's total mileage is a big point that affects what they pay in premiums. Therefore, any event that lowers your annual mileage count considerably must cut down your rate.

Don't forget that you are eligible for this if you're a retiree. Therefore it's a good thing to discuss this with your insurance agent. If for any reason they don't have a discount like this, don't forget to inform your insurance agent about your change in mileage. This should result in lower 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. A vehicle with a higher safety rating will make you eligible for cheaper rates than one with a poor rating all other things being equal. Does your car have built-in safety mechanisms? Such mechanisms attract a good discount. Your agent can help you with a list of safety devices that will make you eligible for a discount with your insurance provider.

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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. This means that high risk profiles like teen drivers will benefit a lot from this type of training. 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. And, don't forget to tell your agent once you complete the course.

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. 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. This is an open invitation to any thief sniffing around. 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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Bonus tip...

While you take these other steps to bring down your auto rates, here's what to do to get lower rates today: Visit reputable insurance quotes sites and request for quotes.

Visit at least five of such for the best results. It's free, quick and easy. Make sure you give your correct details as you complete the forms presented. Thereafter, just choose the insurer that represents the best price/value from the quotes you receive.