Seven Proven Tips For Affordable Vehicle Insurance

Contrary to all you might have come to expect, you don't really have to do very difficult things in order to attract the most affordable policy that gives you sufficient coverage. Just understanding a few compulsory steps and applying them will make a big difference. Let's go through a good number of them in this article...

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. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Are you retired? Then you can get a retiree discount with a good number of insurance providers. Retired persons don't need to drive to work every day. A person's annual mileage is a strong factor that determines how much they pay in premiums. Therefore, anything that reduces your annual mileage count remarkably should lower your rate.

The finer details for each insurance company may differ but this is certainly an excellent way to lower your automobile insurance rate. So it's a good thing to ask your insurance agent. If for some reasons they don't have a retiree discount, don't forget to tell your agent about the change in your mileage. You deserve a lower rate if the change in mileage is significant.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. Do you know that your credit card company might have already given you towing as an extra benefit?

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

4. You will get cheaper rates if your vehicle has a higher safety rating. Does your car have built-in safety features? Such systems get you a big discount. Examples of such safety features are air bags, automatic seatbelt, ABS brakes and daytime running lights. Your insurance agent can give you a list of features that will get you a discount with your insurer.

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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? 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. 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. 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. 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. 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. 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. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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Bonus tip...

Visit a minimum of five quotes sites. Using not less than five quotes sites increase the chances that you'd receive better auto insurance quotes. This is because insurance companies not covered by one site will be covered by another.

And, you should understand that because your chances of receiving lower auto insurance quotes is proportional the number of quotes you receive, the more insurers you receive quotes from, the brighter your chances will be.

Getting your auto insurance quotes online will help you save far more if you sacrifice only 25 minutes to ask for quotes from at least five quotes sites.

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