7 Guaranteed Tips For Cheap Vehicle Insurance

You don't need to do great things in most cases in order to reduce your rates. You may be embarrassed to find out that all that's making it difficult for you to get far cheaper rates are simple things you can easily deal with. Here are a good number of tips that will help you achieve that goal...

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

Also make sure that your car is always parked in a well-lit area. It's certainly not a good idea to leave your car in the open street all through the night.

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2. A good number of insurers offer a retiree discount. Retired persons don't get to drive to work every day. This will certainly lower anybody's mileage.

This discount is certainly not one any retiree should ignore. So it is important to ask your insurance agent. And, if your agent tells you they do NOT have this particular discount, do your best to report the dramatic difference in your mileage. This should reflect in lower rates for you.

3. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. 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. You will pay less if your car has a higher safety rating. Does your vehicle have built-in safety mechanisms? You'll qualify for a Safe Vehicle discount if your car has such features. Examples of such safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights. For more details on these and how much savings you'll realize by fixing them, consult your insurance 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? They enjoy a good discount because they've acquired skills that make them respond better to incidents on the road thus making them safer drivers. This is particularly important for high risk profiles. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short 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. Marriage is something that will do your auto insurance rates a world of good. This is true even though you can't just go off to marry just because of this. 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. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

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. An unlocked car with the engine running? What could be easier?

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An extra tip...

You can get lower rates on auto insurance now by visiting a minimum of five insurance quotes sites. Each site will take you around 5 minutes or less to obtain quotes. (Some people give information that are not quite true about themselves. That isn't wise as the quotes you'll get this way will NOT be of any use to you).

You'll have to pick the best auto insurance quote for you from the list of quotes returned. It's as simple as that. But you could easily save hundreds of dollars.

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