7 Proven Tips For Affordable Car Insurance

It doesn't usually take implementing a hundred tips to get massive discounts while maintaining sufficient coverage. It's generally small things that result in massive savings. I'll take the pains here to share some of those things...

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. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

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.

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2. Retirees are given a special discount by several insurance companies. Retired folks do NOT need to drive to work on a daily basis. Driving less will result in lower mileage which definitely makes you a lower risk.

Note that you qualify for this discount if you're a retiree. Therefore it's recommended that you ask your agent. If for some reasons they don't have a discount like this, don't forget to tell 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 car is considered to have a higher safety rating. Go for vehicles that have mechanisms that increase safety. You'll be eligible for a Safe Car discount if your car has such mechanisms. To get more information on this and how much savings you'll realize by having them, discuss with your agent.

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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. So as much as possible, become a defensive driver especially if you under 25. And, don't forget to tell your agent once you complete the course.

6. Getting married will bring down your rate by a huge margin. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. They generally file fewer claims and when they do, they usually cost less.

7. Never leave your car unlocked and running while you dash in to get something. This is an open invitation to any thief sniffing around. 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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Bonus tip...

The most important step to reasonable savings in auto insurance is comparison shopping -- That's if you do it well. You can get quotes that will have a difference that exceeds $1,000. You could conveniently save that much by just choosing the lowest quote. This should be the case if you're simply after the lowest price.

However, if you're looking for the best value to price ratio then you'd have to check the details of the cheapest quotes. Different insurance companies may have adjustments for similar policies. It's a good idea to ask the agent what's part of the deal and what's not.

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