Seven Sure-Fire Tips For Cheap Auto Insurance

It doesn't usually take implementing very many tips to get massive savings while enjoying adequate coverage. It's normally small things that bring about massive savings. Let's look at a good number of them in this article...

1. Don't make the mistake of parking your car in places where it won't be safe. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. I hope you also know that you'll pay less if you have a garage for your car.

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

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2. Retired persons are offered a special discount by several insurance companies. Retired people don't need to drive to work on a daily basis. Driving less means lower mileage which surely makes you a lower risk.

Note that you are eligible for this discount if you are retired. So it is recommended that you discuss this with your insurance agent. And, if your agent says they don't offer this very discount, do your best to report the dramatic change in your mileage. Unless the change in your mileage isn't big enough, you should switch to another insurance carrier if you are NOT given a decent 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. By the way, your credit card might already offer this as a benefit so check.

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. A car with a high safety rating will get you cheaper rates than another with a poor rating all other things being equal. Does your car have built-in safety features? Such mechanisms get you 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 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. Therefore, do your best to get trained in defensive driving from a recognized center. When you get certified, let your agent know and insist on your discount -- You've earned it.

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. A lot of folks have lost their cars in the short seconds that they took to dash inside to get something while leaving their cars running and unlocked. Don't make this mistake. This is an open invitation to any thief sniffing around. Every thief checks how easy a target is before making a move. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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An extra tip...

Visit at least five quotes sites. Requesting quotes from not less than five quotes sites raise the chances that you would get more affordable auto insurance quotes. This is because offers not represented by one site will be represented by another.

And, you know that because your chances of receiving lower auto insurance quotes is related to the number of quotes you receive, the more insurance companies you get quotes from, the brighter your chances will be.

Requesting for your auto insurance quotes online will help you save far more if you take out just 25 minutes to obtain quotes from not less than 5 quotes sites.

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