7 Sure-Fire Tips For Affordable Car Insurance

It doesn't usually take applying very many tips to get massive savings while enjoying sufficient coverage. Just understanding a few compulsory steps and implememting them will make a huge difference. I'll take the pains in this article to explore such 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. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

Also make sure that your car is always parked in a well-lit area.

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2. several companies offer a retiree discount. Retired folks do NOT need to drive to a place of work on a daily basis. Driving less will lead to lower mileage which definitely makes you a better risk.

This discount is certainly not one any retiree should pass on. So it's recommended that you ask your agent. And, if your he/she tells you they don't have this kind of discount, do your best to show the remarkable change in your mileage. You deserve a reduction in rate if the decrease in mileage is big.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. Have you checked to see if your credit card doesn't already offer this as added value?

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 attract better rates than one with a poor rating all other things being equal. Safety ratings should be given top consideration when buying a new vehicle. Such features get you a good discount. Examples of these safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights.

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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. The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. 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. The savings involved should make any sacrifice you make to go through such a program well worth it. And, don't forget to tell your agent once you complete the course.

6. Marriage is something that will do your auto insurance rates a world of good. This is true even though you can't just go off to marry just because of this. There is evidence to show that married people are a lot more stable than their unmarried counterparts. This makes them more careful on the road and, therefore, a better risk to insurers. Insurers will tell you that their records show that married people make fewer claims. Furthermore, when they do make those claims, they usually cost less on the average than those married by their unmarried counterparts.

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

You will save much if you only have between 25-30 minutes. Visit, obtain and compare auto insurance quotes from selected insurance quotes sites. The lowest offer should be what you pick easily.

However, you have to go beyond simply the cheapest quote to the best price/value. The cheapest may not offer the best price/value for you as a person.

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