Seven Proven Tips For Cheap Auto Insurance

You don't need to do exceptional things in most cases in order to bring down your rates. Just knowing a few compulsory steps and applying them will make a big difference. Following are several things that will help you achieve that goal...

1. Don't make the mistake of parking your car in places where it won't be safe. This means that you have to do all within your power to NOT park your car in a red light district. 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. .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 providers. You'll hardly drive as frequently as you used to do if you are retired. Driving less will result in reduced mileage which certainly makes you a lower risk.

This discount is certainly not one any retired person should overlook. Find out your insurance carrier's policy on this. If for some reasons they do NOT have a retiree discount, don't forget to inform your insurance agent about your change in mileage. This should result in cheaper rates for you.

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?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

4. You will spend less on auto insurance if your vehicle has a higher safety rating. Safety ratings should be given top consideration when shopping for a new vehicle. You'll qualify for a Safe Vehicle discount if your car has such features. Examples of these safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. They enjoy a good discount because they've acquired skills that make them respond better to incidents on the road thus making them safer drivers. 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. The savings involved should make any sacrifice you make to go through such a program well worth it. When you get certified, let your agent know and insist on your discount -- You've earned it.

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. 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. 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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An extra tip...

You can get better quotes on auto insurance today by visiting at least five insurance quotes sites. Each quotes site will require about 5 minutes or less to request quotes. (Some people present details that is not really true about themselves. That isn't a smart move since the quotes you'll get this way will NOT do you any good).

You'll simply select the best auto insurance quote for you from the list of quotes returned. It's as simple as that. Nevertheless you could easily save hundreds of dollars.

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