7 Guaranteed Tips For Affordable Auto Insurance

Contrary to all you might have been told, you don't really have to do very great things in order to get the most affordable policy that gives you adequate coverage. Just knowing some compulsory things and implememting them will make a huge difference. I'll take the pains in this article to share such things...

1. You'll help reduce your rates if you always ensure you park your car in a safe place. This means that you have to do all within your power to NOT park your car in a red light district. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

Also make sure that your car is always parked in a well-lit area.

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2. A good number of insurance providers offer a retiree discount. You'll most like NOT drive as frequently as you used to do the moment you are retired. Driving less means reduced mileage which surely makes you a better risk.

This discount is surely not one any retired person should pass on. Therefore it is important to discuss this with your insurance agent. Even if you don't call it a retiree discount, telling them of a remarkable reduction in mileage is advisable. Unless the difference in your mileage isn't big enough, you should switch to another insurance carrier if you don't get a decent discount.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. Do you know that your credit card company might have already given you towing as an extra benefit?

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

4. A car with a higher safety rating will make you eligible for cheaper rates than another with a poor rating all other things being equal. Safety features should receive top consideration when shopping for a new vehicle. They will qualify you for a Safe Car Discount. Examples of these safety mechanisms 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. The reason is simple: Defensive drivers are trained to drive safer. This means that high risk profiles like teen drivers will benefit a lot from this type of training. Being certified as a defensive driver will save a young driver thousands in premiums in a few 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. Getting married will bring down your rate by a huge margin. 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. 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. An unlocked car with the engine running? What could be easier?

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An extra tip...

You will save a lot if you do shop around and do detailed comparison. The the difference in quotes received for a query could be as wide as $1,000 for a particular profile. Although this is a good thing, it's crucial that you don't get carried away. It's not normally that straightforward if you want the best price/value.

The lowest quote may not give you the best price/value. Despite the fact that each of the quotes presented will definitely give you the same main coverage, there may be a lot of differences in the details of coverage. This makes it crucial that you find out if there aren't any exclusions that won't serve your best interest.

Remember to treat these no-obligation quotes just that way. Don't feel obliged to pay unless you've had all your questions answered satisfactorily. You will be spared rude shocks down the road if you do this.

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