7 Proven Steps For Low Cost Vehicle Insurance

Contrary to what you might have heard, you don't really have to do very difficult things in order to attract the cheapest policy that gives you adequate coverage. You may be shocked to find out that all that's keeping you from far cheaper rates are minor things you can easily take care of. I'll take some time out here to show you some of those things...

1. Make sure your car is always parked in a safe place. Is there a risk of theft, vandalism or accidental damage where you park your car? Then look for a better place as doing otherwise might lead to a claim that will eventually increase your rate. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

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. Retirees are offered a special discount by a good number of insurers. You'll hardly drive as much as you used to do the moment you retire. This will definitely bring down anybody's mileage.

Don't forget that you are eligible for this if you're a retired person. So it's recommended that you ask your agent. If for some reasons they do NOT have a retiree discount, don't forget to tell your agent about the change in your mileage. You deserve a reduction in rate if the change in your mileage is considerable.

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. It will cost you much more to insure a car if it has a poor safety rating. Safety ratings should receive top consideration when shopping for a new car. Such systems attract a reasonable discount. Your insurance agent can help you with a list of safety devices that will make you eligible for a discount with your insurance carrier.

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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? This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes This is particularly important for high risk profiles. 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. 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. A lot of folks have lost their cars in the short seconds that they took to dash inside to get something while leaving their cars running and unlocked. Don't make this mistake. 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. An unlocked car with the engine running? What could be easier?

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Bonus tip...

You can save much by visiting a minimum of five quotes sites. If you do this, you will be able to get the lowest auto insurance quotes possible because five sites will return not less than 25 quotes altogether.

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