7 Sure-Fire Steps For Low Cost Car Insurance

Contrary to all you might have heard, you don't really have to do very exceptional things in order to enjoy the most affordable policy that gives you sufficient coverage. Just understanding a few compulsory things and doing them will make a big difference. I'll take some time out here to share some of those things...

1. Make sure your car is always parked in a safe place. 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. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

And, lest I forget, if you drive out in the night do your best to have your car parked in a well-lit area. That will deter thieves. .And for no reason should you leave your car in the open street for a whole night.

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2. Are you retired? Then you should qualify for a retiree discount with a good number of insurers. Retired persons do NOT get to drive to a place of work every day. This will certainly cut down anybody's mileage.

Note that you are eligible for this discount if you're a retiree. Get your insurer's stance on this from your insurance agent. Even if they don't refer to it as retiree discount, reporting a remarkable decrease in mileage is advisable. Unless the drop in your mileage isn't considerable, you should switch to another insurance carrier if you don't get 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. Do you know that your credit card company might have already given you towing as an extra benefit?

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

4. It will cost you much more to buy insurance for a vehicle if it has a poor safety rating. Safety features should receive more consideration when shopping for a new car. Such features attract a reasonable 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. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes 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. 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. 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. Never leave your car unlocked and running while you dash in to get something. This simple act makes it very easy for thieves. Car thieves are known to go for easy targets. An unlocked car with the engine running? What could be easier?

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Finally...

You will save much if you really have between 25-30 minutes. Visit, obtain and compare auto insurance quotes from various insurance quotes sites. The cheapest quote should be what you pick easily.

But, you have to look beyond simply the cheapest price to the best price/value. The lowest priced may not offer the best price/value for you as an individual.

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