Seven Guaranteed Steps For Low Cost Auto Insurance

You don't have to do great things in most cases in order to reduce your rates. Just understanding some compulsory things and implememting them will make a big difference. Let's examine some of them here...

1. You'll help reduce your rates if you always ensure you park your car 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.

Don't forget to always park your car in a well lit area when you're out. This is because thieves avoid well-lit areas but love operating in the dark. .And for no reason should you leave your car in the open street for a whole night.

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2. Retirees are offered a special discount by several insurance companies. You will definitely NOT drive as frequently as you used to do once you retire. Driving less will result in reduced mileage which surely makes you a better risk.

This discount is definitely not one any retiree should pass on. Therefore it is a good thing to discuss this with your insurance agent. Even if you don't call it a retiree discount, telling them of a considerable cut in mileage is advisable. You deserve a reduction in rate if the difference in your mileage is significant.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. Do you know that your credit card company might have already given you towing as an extra benefit?

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 vehicle if it has a low safety rating. Safety features should be given more consideration when shopping for a new vehicle. You'll be eligible for a Safe Car discount if your vehicle has such mechanisms.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes 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. 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. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

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. Remember, they look for easy targets. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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An extra tip...

Take out some time to visit a minimum of 5 insurance quotes sites that offer quotes on auto insurance policies. Doing this will require not more than 25 minutes.

While you visit each site, make sure you give the same details. Doing otherwise will give you misleading results. 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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