Seven Proven Steps For Low Cost Auto Insurance

You don't need to do exceptional things in most cases in order to reduce your rates. You may be embarrassed to find out that all that's keeping you from far cheaper rates are simple things you can quickly deal with. I'll take the pains here to explore some of those things...

1. Don't make the mistake of parking your car in places where it won't be safe. .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.

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. Retired persons are offered a special discount by many insurance providers. The obvious logic for this discount is that retired persons normally drive less. Driving less means reduced mileage which certainly makes you a lower risk.

The finer details for each insurance provider may differ but this is certainly an excellent way to cut down your car insurance cost. You can find out the finer points from your insurance agent. Even if you don't refer to it as retiree discount, registering a considerable reduction in mileage is necessary. This should bring about more affordable rates for you.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. 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 car with a high safety rating will make you eligible for lower rates than another with a lower rating all other things being the same. Safety features should get more consideration when buying a new car. Such systems get you a big discount.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. The reason is simple: Defensive drivers are trained to drive safer. This is particularly important for high risk profiles. 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. Therefore, do your best to get trained in defensive driving from a recognized center. When you get certified, let your agent know and insist on your discount -- You've earned it.

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

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 simple act makes it very easy for thieves. 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...

You might save some hundreds of dollars by simply getting and evaluating quotes from about five quotes sites. And, it will take you just a total of 25 minutes.

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