Seven Sure-Fire Tips For Cheap Auto Insurance

You don't need to do great things in most cases in order to lower your rates. You may be surprised to discover that all that's keeping you from far lower rates are little things you can easily take care of. I'll take some time out in this article to show you some of those things...

1. You'll help reduce your rates if you always ensure you park your car 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. .And for no reason should you leave your car in the open street for a whole night.

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2. Are you a retired person? Then you should qualify for a retiree discount with a good number of insurance companies. The plain argument for this discount is that retired persons normally drive less. This will definitely lower anybody's mileage.

Don't forget that you are eligible for this discount if you're retired. Find out your insurance carrier's stance on this from your insurance agent. If for any reason they do NOT have a discount like this, don't fail to inform your insurance agent about your change in mileage. You are entitled to a a cheaper rate if the decrease in mileage is big.

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 high safety rating will make you eligible for better rates than one with a poor rating all other things being the same. Select cars that have mechanisms that improve safety. You will be eligible for a Safe Vehicle discount if your car has such features. Examples of these safety mechanisms are air bags, automatic seatbelt, ABS brakes and daytime running lights.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. 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. 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. 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. 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. 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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Finally...

You can get savings of hundreds of dollars on your auto insurance policy by getting insurance quotes from quote sites. The best strategy is to visit at least five sites and making sure that you input the same (correct) details.

I advise that you use not less than five quotes sites since that will make it less likely that you'll miss out better quotes not given by the other sites. This offers you a broader basis for doing more extensive comparisons thereby increasing your chances of realizing more savings.

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