7 Sure-Fire Tips For Affordable Auto Insurance

It doesn't usually take applying a hundred tips to make massive savings while enjoying sufficient coverage. Just understanding a few compulsory steps and implememting them will make a real difference. Let's look at a good number 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.

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2. Retirees are offered a special discount by several insurance providers. The simple argument for this discount is that retirees generally drive less. This will certainly cut down anybody's mileage.

This savings option is certainly not one any retired person should ignore. So it's recommended that you ask your insurance agent. Even if they don't call it a retiree discount, telling them of a considerable drop in mileage is advisable. This should reflect in more affordable 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. 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 will get cheaper rates if your car is considered to have a higher safety rating. Go for cars that have mechanisms that increase safety. They will qualify you for a Safe Vehicle Discount. Examples of these safety mechanisms are air bags, automatic seatbelt, ABS brakes and daytime running lights. To get more information on these and how much savings you'll realize by having them, talk with 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? This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes This means that high risk profiles like teen drivers will benefit a lot from this type of training. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short 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. 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. 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. This simple act makes it very easy for thieves. Car thieves are known to go for easy targets. An unlocked car with the engine running? What could be easier?

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Bonus tip...

You can get savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from quote sites. The best strategy is to visit a minimum of five quotes sites and making sure that you provide the same (correct) details.

I recommend that you visit a minimum of five quotes sites because it will make it less likely that you'll miss out offers not presented by the other sites. This provides you a broader basis for doing more thorough comparisons thereby increasing your chances of realizing more savings.

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