7 Guaranteed Tips For Low Cost Car Insurance

You don't need to do difficult things in most cases in order to bring down your rates. Just understanding a few compulsory steps and using them will make a huge difference. I'll take the pains here to show you some of those 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. 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. It's certainly not a good idea to leave your car in the open street all through the night.

Insurance Quotes

2. Retirees are given a special discount by several insurance companies. The simple logic for this discount is that retired persons generally drive less. Driving less will result in lower mileage which surely makes you a lower risk.

Note that you are eligible for this discount if you are a retiree. Get your insurance provider's policy on this from your insurance agent. If for some reasons they don't have a retiree discount, don't fail to tell your insurance agent about the change in your mileage. You are entitled to a lower rate if the change in your mileage is considerable.

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 will pay less if your car has a higher safety rating. Safety features should be given more consideration when buying a new vehicle. They will qualify you for a Safe Car Discount. Examples of such safety features are air bags, automatic seatbelt, ABS brakes and daytime running lights. Your agent can give you a list of features that will get you a discount with your insurance carrier.

Budget Car Insurance

5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. The reason is simple: Defensive drivers are trained to drive safer. This is particularly important for high risk profiles. 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. Once you get certified demand your well-earned discount from your insurer or look for another insurer if they don't give you a decent discount.

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. 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. This is an open invitation to any thief sniffing around. 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.

Auto Insurance Quote

Bonus tip...

You can reduce your auto insurance premium by obtaining and comparing quotes from at least five good quotes sites.

Get Cheap Auto Insurance Quotes And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!