Seven Sure-Fire Tips For Affordable Vehicle Insurance

You don't need to do exceptional things in most cases in order to reduce your rates. It's usually overlooked things that result in massive discounts. I'll take the pains here to reveal some of those things...

1. Make sure your car is always parked in a safe place. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. Parking your car in a garage will help you reduce your rate over time.

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. A good number of companies give a retiree discount. The simple argument for this discount is that retirees usually drive less. This will certainly lower anybody's mileage.

The fine points for each insurance provider might be different but this is definitely a good way to reduce your vehicle insurance rate. Do learn more about the finer points from your agent. If for some reasons they do NOT have a retiree discount, remember to tell your agent about your change in mileage. This should reflect in 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.

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 vehicle is considered to have a higher safety rating. Select vehicles that have features that increase safety. Such mechanisms attract a reasonable discount. Examples of such safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights. To get more details on these and how much savings you'll realize by having them, consult your insurance agent.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. 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. 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. Therefore, do your best to get trained in defensive driving from a recognized center. And, don't forget to tell your agent once you complete the course.

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. This simple act makes it very easy for thieves. 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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Finally...

The most vital route to huge savings in auto insurance is comparison shopping -- That's if you do it well. You can get quotes that will have a range that exceeds $1,000. You could conveniently save that much by just going with the lowest quote. That should apply if you're just after the lowest price.

Nevertheless, if you want the best value to price ratio then you'd have to check the details of the lowest quotes. Different insurers may have adjustments for similar policies. It's a good idea to ask the agent what's part of the deal and what's not.

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