Seven Sure-Fire Tips For Low Cost Car Insurance

You don't have to do exceptional things in most cases in order to reduce your rates. It's normally little things that result in huge savings. Let's examine some of them here...

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. 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.

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2. Retired persons are offered a special discount by a good number of insurers. You'll definitely NOT drive as much as you used to do the moment you retire. A person's total mileage is a strong point that determines what is paid in premiums. So any event that brings down your annual mileage count considerably must reduce your rate.

This discount is surely not one any retiree should pass on. Therefore it's recommended that you discuss this with your insurance agent. Even if they don't call it a retiree discount, registering a considerable decrease in mileage is necessary. Unless the difference in your mileage isn't big enough, you should switch to another insurance provider if you don't get a discount.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. Have you checked to see if your credit card doesn't already offer this as added value?

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 insure a vehicle if it has a low safety rating. Opt for cars that have features that increase safety. Such mechanisms attract a reasonable discount. To get more details on these and how much savings you'll realize by fixing them, talk with your insurance agent.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. The reason is simple: Defensive drivers are trained to drive safer. 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. Once you get certified demand your well-earned discount from your insurer or look for another insurer if they don't give you a decent discount.

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. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

7. Never leave your car unlocked and running while you dash in to get something. The only easier thing for a thief would be if you handed over your keys as a gift. Car thieves are known to go for easy targets. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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Finally...

Visit a minimum of five insurance quotes sites. Using a minimum of five quotes sites increase the chances that you would receive cheaper auto insurance quotes. This is because offers not represented by one site will be represented by another.

And, you know that since the likelihood of receiving lower auto insurance quotes is tied to the number of quotes you obtain, the more insurance companies you receive quotes from, the better your chances will be.

Obtaining your auto insurance quotes online will help you save much more if you sacrifice only 25 minutes to get quotes from not less than 5 sites.

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