Tuesday, November 24, 2009
Seven Guaranteed Steps For Cheap Vehicle Insurance
Contrary to all you might have come to expect, you don't really have to do very exceptional things in order to get the cheapest policy that gives you adequate coverage. Just understanding a few compulsory steps and applying them will make a huge difference. Let's examine some of them in this article...
1. Don't make the mistake of parking your car in places where it won't be safe. 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. I hope you also know that you'll pay less if you have a garage for your car.
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. Retirees are given a special discount by many insurance companies. The simple logic for this discount is that retired persons usually drive less. A person's annual mileage is a big issue that influences how much is paid in premiums. Therefore, anything that lowers your annual mileage count by a big margin should reduce your rate.
This discount is certainly not one any retired person should pass on. Do learn more about the finer points from your insurance agent. Even if you don't call it a retiree discount, reporting a considerable cut in mileage is important. Unless the change in your mileage isn't big enough, you should switch to another insurance provider if you are NOT given a decent discount.
3. Add-ons like towing raise your premium without giving you as much value as using a towing service. Have you checked to see if your credit card doesn't already offer this as added value?
Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.
4. It will cost you much more to insure a car if it has a low safety rating. Safety features should get top consideration when shopping for a new vehicle. Such mechanisms attract a good 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. 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. 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. 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. 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. 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 could save several hundreds of dollars by simply getting and comparing quotes from about five quotes sites. And, it will require only a total of 25 minutes.
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