7 Tested Tips For Affordable Car Insurance

Contrary to what you might have heard, you don't really need to do very difficult things in order to get the cheapest policy that gives you adequate coverage. Just understanding some compulsory steps and doing them will make a real difference. Following are several things that will bring you closer to the goal...

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. Parking your car in a garage will help you reduce your rate over time.

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. It's certainly not a good idea to leave your car in the open street all through the night.

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2. A good number of insurance providers offer a retiree discount. The plain logic for this discount is that retired persons generally drive less. Driving less means lower mileage which definitely makes you a better risk.

This savings option is definitely not one any retired person should pass on. Find out your insurance provider's stance on this. Even if you don't refer to it as retiree discount, registering a remarkable cut in mileage is important. This should bring about cheaper rates for you.

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. It will cost you much more to buy insurance for a car if it has a low safety rating. Safety features should receive top consideration when shopping for a new car. You'll be eligible for a Safe Car discount if your vehicle has such mechanisms. Your insurance agent can help you with a list of safety devices that will get you a discount with your insurance company.

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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 The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short years. Therefore, do your best to get trained in defensive driving from a recognized center. 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 is an open invitation to any thief sniffing around. Every thief checks how easy a target is before making a move. An unlocked car with the engine running? What could be easier?

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Bonus tip...

Take out some time to visit at least 5 insurance quotes sites that offer quotes on auto insurance policies. This should take you not more than 25 minutes.

As you visit each quotes site, make sure you input the same details. Doing otherwise will return misleading quotes. After you've received your auto insurance quotes, compare them to determine which serves your interest best both in price and value.

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