Seven Guaranteed Tips For Cheap Vehicle Insurance

Contrary to all you might have come to expect, you don't really have to do very difficult things in order to get the most affordable policy that gives you sufficient coverage. It's usually small things that result in big savings. Here are several things that will bring you closer to the goal...

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. Parking your car in a garage will help you reduce your rate over time.

Also make sure that your car is always parked in a well-lit area. .And for no reason should you leave your car in the open street for a whole night.

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2. Many insurers give a retiree discount. Retired people don't get to drive to work on a daily basis. Driving less will result in reduced mileage which definitely makes you a lower risk.

Don't forget that you are eligible for this discount if you're retired. Get your insurer's position on this from your agent. If for some reasons they do NOT have a retiree discount, remember to inform your insurance agent about your change in mileage. Except where the difference in your mileage isn't big enough, you should look for another insurance provider if you don't get a decent discount.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. 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. A vehicle with a higher safety rating will get you lower rates than another with a lower rating all other things being the same. Does your car have built-in safety mechanisms? Such mechanisms get you a good discount. For more information on this and how much you can save by having them, talk with your agent.

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5. Do you know that you'll be eligible for a discount if you complete a defensive driving course or any such program approved by your insurer? 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. Therefore, do your best to get trained in defensive driving from a recognized center. 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. 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. 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. 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. 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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Finally...

You will save much if you will shop around and do thorough comparison. The range of quotes presented for a request could be as wide as $1,000 for a particular person. Notwithstanding that this is a good thing, it's crucial that you don't get carried away. It's not normally that easy if you're after the best price/value.

The lowest quote may not give you the best price/value. Although each of the quotes offered will certainly give you the same basic coverage, there may be several differences in the details of each insurer's coverage. This makes it imperative that you find out if there aren't any exclusions that won't serve your best interest.

Don't forget to treat these no-obligation quotes just that way. Don't feel you have to pay until you've had all your questions answered satisfactorily. You will saved from rude surprises down the road if you do this.

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