Seven Sure-Fire Steps For Affordable Car Insurance

It doesn't usually take applying very many tips to make massive discounts while enjoying adequate coverage. It's generally small things that help you get massive discounts. Let's look at a good number of them here...

1. Don't make the mistake of parking your car in places where it won't be safe. This means that you have to do all within your power to NOT park your car in a red light district. 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. Retired persons are offered a special discount by many insurers. You'll hardly drive as frequently as you used to do the moment you are retired. Driving less will lead to lower mileage which certainly makes you a lower risk.

This savings option is definitely not one any retiree should pass on. Therefore it is a good thing to ask your insurance agent. And, if your he/she says they do NOT have this particular discount, do your best to show the remarkable difference in your mileage. Unless the reduction in your mileage isn't significant, you should shop for another insurer if you are NOT given a discount.

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. By the way, your credit card might already offer this as a benefit so check.

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

4. A car with a higher safety rating will get you better rates than one with a poor rating all other things being the same. Safety ratings should be given top consideration when buying a new vehicle. Such mechanisms attract a big discount.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. They enjoy a good discount because they've acquired skills that make them respond better to incidents on the road thus making them safer drivers. 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. Getting married will bring down your rate by a huge margin. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. They generally file fewer claims and when they do, they usually cost less.

7. Never leave your car unlocked and running while you dash in to get something. This is an open invitation to any thief sniffing around. 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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Finally...

Take out some time to visit at least five insurance quotes sites that provide quotes on auto insurance policies. It should take you not more than 25 minutes.

As you visit each site, ensure you input the same information. Doing otherwise will produce misleading quotes. After you've received your auto insurance quotes, compare them to see which serves your interest best both in price and value.

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