Seven Guaranteed Tips For Low Cost Car Insurance

You don't have to do great things in most cases in order to reduce your rates. You may be shocked to find out that all that's keeping you from far more affordable rates are little things you can easily take care of. I'll take the pains in this article to share such things...

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. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

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. .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 insurers. The obvious argument for this discount is that retired persons usually drive less. This will definitely cut down anybody's mileage.

Remember that you qualify for this if you are a retiree. Therefore it is a good thing to ask your agent. If for any reason they don't have a retiree discount, don't fail to inform your insurance agent about the change in your mileage. You are entitled to a a cheaper rate if the drop in your mileage is significant.

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 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'll pay less if your vehicle is considered to have a higher safety rating. Go for vehicles that have systems that improve safety. Such features get you a good discount. Your insurance agent can help you with a list of safety devices that will make you eligible for a discount with your insurance carrier.

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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 means that high risk profiles like teen drivers will benefit a lot from this type of training. 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. When you get certified, let your agent know and insist on your discount -- You've earned it.

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. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

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. 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. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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An extra tip...

You will save a lot if you only have between 25-30 minutes. Visit, get and compare auto insurance quotes from various insurance quotes sites. The lowest offer should be your choice easily.

Nevertheless, you have to look beyond just the lowest quote to the best price/value. The lowest priced may not be the best price/value for you as an individual.

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