7 Proven Tips For Affordable Car Insurance

It doesn't normally take applying very many tips to realize massive discounts while enjoying adequate coverage. It's generally overlooked things that bring about huge discounts. I'll take the pains here to explore such 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. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

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. .And for no reason should you leave your car in the open street for a whole night.

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2. Retirees are offered a special discount by several insurance providers. The simple logic for this discount is that retirees usually drive less. Driving less means lower mileage which certainly makes you a better risk.

Remember that you are eligible for this discount if you are retired. Get to know your insurer's stance on this. Even if you don't call it a retiree discount, telling them of a remarkable reduction in mileage is advisable. This should bring about better rates for you.

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.

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

4. It will cost you a lot more to buy insurance for a car if it has a low safety rating. Safety features should be given top consideration when buying a new car. You will be eligible for a Safe Vehicle discount if your vehicle has such mechanisms. Examples of these safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights. For more information on these and how much savings you'll realize by having them, discuss with your agent.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. 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. 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. 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. They generally file fewer claims and when they do, they usually cost less.

7. If you must quickly get something inside, turn your car off, lock up and pocket your keys. Don't leave your car unlocked and running. The only easier thing for a thief would be if you handed over your keys as a gift. 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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Finally...

You can get savings of hundreds of dollars on your auto insurance policy by obtaining insurance quotes from quote sites. The best method is to visit not less than five quotes sites and ensuring that you input the same (correct) information about yourself.

I recommend that you visit not less than five quotes sites since it will ensure you do not miss out better quotes not carried by the other sites. This gives you a broader basis for doing more extensive comparisons thereby increasing your chances of getting more for less.

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