Seven Proven Tips For Cheap Auto Insurance

Contrary to all you might have come to expect, you don't really have to do very difficult things in order to get the cheapest policy that gives you adequate coverage. It's normally overlooked things that result in massive savings. Let's look at some of them here...

1. Make sure your car is always parked 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. .And for no reason should you leave your car in the open street for a whole night.

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2. A good number of insurance providers give a retiree discount. Retired persons do NOT have to drive to a place of work on a daily basis. A person's annual mileage is a strong issue which influences what is paid in premiums. So anything that reduces your total mileage count considerably must lower your rate.

This savings option is certainly not one any retiree should ignore. You can find out the finer points from your agent. If for any reason they don't have a discount like this, remember to tell your agent about the change in your mileage. You should get a reduction in rate if the change in mileage is considerable.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. By the way, your credit card might already offer this as a benefit so check.

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. You'll get cheaper rates if your vehicle is considered to have a higher safety rating. Opt for vehicles that have features that increase safety. They'll make you eligible for a Safe Car Discount. To get more information on these and how much you can save by having them, consult your agent.

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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? This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short years. The savings involved should make any sacrifice you make to go through such a program well worth it. When you get certified, let your agent know and insist on your discount -- You've earned it.

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. 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. They generally file fewer claims and when they do, they usually cost less.

7. Never leave your car unlocked and running while you dash in to get something. The only easier thing for a thief would be if you handed over your keys as a gift. Every thief checks how easy a target is before making a move. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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Bonus tip...

While you take these other steps to reduce your auto premium, here's something you can do to start enjoying lower rates today: Visit trusted quotes sites and get quotes.

Visit at least five of such for the best results. It's free, quick and easy. However, ensure you give your correct details as you complete the forms presented. Thereafter, just pick the insurer that gives you the best price/value from the quotes you've obtained.

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