7 Guaranteed Steps For Affordable Vehicle Insurance

You don't need to do exceptional things in most cases in order to reduce your rates. It's generally overlooked things that help you get huge discounts. Let's go through some of them in this article...

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. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Retirees are offered a special discount by a good number of insurance providers. You'll definitely NOT drive as frequently as you used to do the moment you are retired. Driving less will lead to lower mileage which surely makes you a better risk.

Note that you are eligible for this discount if you're retired. You can find out the finer points from your agent. Even if they don't call it a retiree discount, registering a dramatic drop in mileage is necessary. Unless the difference in your mileage isn't considerable, you should switch to another insurance provider if you don't get a decent discount.

3. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. Have you checked to see if your credit card doesn't already offer this as added value?

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. It will cost you a lot more to insure a vehicle if it has a poor safety rating. Safety features should get top consideration when buying a new vehicle. You'll qualify for a Safe Car discount if your vehicle has such mechanisms.

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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. Being certified as a defensive driver will save a young driver thousands in premiums in a few years. So as much as possible, become a defensive driver especially if you under 25. 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. It's commonsense that every person becomes more stable and less reckless once they get married. This stability affects such a person for good when he/she is behind wheels. 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. An unlocked car with the engine running? What could be easier?

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Finally...

Make out some time to visit a minimum of five insurance quotes sites that provide quotes on auto insurance policies. This will require not more than 25 minutes.

As you visit each site, make sure you give the same details. Doing otherwise will give you misleading results. When you've received your auto insurance quotes, compare them to see which serves your interest best both in price and value.

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