7 Proven Tips For Low Cost Auto Insurance

It doesn't usually take implementing a hundred tips to realize massive discounts while maintaining sufficient coverage. It's generally overlooked things that bring about massive discounts. Let's look at a good number of them here...

1. You'll help reduce your rates if you always ensure you park your car in a safe place. This means that you have to do all within your power to NOT park your car in a red light district. Parking your car in a garage will help you reduce your rate over time.

And, lest I forget, if you drive out in the night do your best to have your car parked in a well-lit area. That will deter thieves. It's certainly not a good idea to leave your car in the open street all through the night.

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2. several insurers offer a retiree discount. Retired folks don't get to drive to a place of work every day. This will certainly lower anybody's mileage.

This savings option is certainly not one any retired person should overlook. You can learn more about eligibility requirements from your agent. And, if your agent says they do NOT offer this kind of discount, do your best to report the big difference in your mileage. This should result 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. Do you know that your credit card company might have already given you towing as an extra benefit?

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. A vehicle with a high safety rating will get you cheaper rates than one with a poorer rating all other things being the same. Opt for vehicles that have mechanisms that increase safety. They'll qualify you for a Safe Vehicle Discount. Examples of such safety mechanisms are air bags, automatic seatbelt, ABS brakes and daytime running lights. Your agent can help you with a list of safety devices that will get you a discount with your insurance carrier.

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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 The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. Being certified as a defensive driver will save a young driver thousands in premiums in a few years. The savings involved should make any sacrifice you make to go through such a program well worth it. And, don't forget to tell your agent once you complete the course.

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. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. Insurers will tell you that their records show that married people make fewer claims. Furthermore, when they do make those claims, they usually cost less on the average than those married by their unmarried counterparts.

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. Car thieves are known to go for easy targets. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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Bonus tip...

You might save several hundreds of dollars by just getting and evaluating quotes from not less than five quotes sites. And, it will take you only about 25 minutes on the whole.

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