7 Proven Steps For Cheap Vehicle Insurance

You don't have to do great things in most cases in order to reduce your rates. You may be surprised to find out that all that's keeping you from far more affordable rates are little things you can easily take care of. I'll take some time out here to show you some of those things...

1. You'll help reduce your rates if you always ensure you park your car 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. Parking your car in a garage will help you reduce your rate over time.

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. several companies give a retiree discount. The obvious argument for this discount is that retired persons generally drive less. Driving less will result in reduced mileage which surely makes you a lower risk.

This savings option is certainly not one any retiree should overlook. So it's important to ask your insurance agent. If for some reasons they don't have a discount like this, don't fail to tell your agent about your change in mileage. You should get a lower rate if the change in mileage is significant.

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. Do you know that your credit card company might have already given you towing as an extra benefit?

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. You will get cheaper rates if your vehicle is considered to have a higher safety rating. Opt for cars that have features that improve safety. You will qualify for a Safe Car discount if your car has such mechanisms. Examples of such safety features are air bags, automatic seatbelt, ABS brakes and daytime running lights. To get more information on these and how much savings you'll realize by fixing them, talk with your agent.

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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. When you get certified, let your agent know and insist on your discount -- You've earned it.

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. This simple act makes it very easy for thieves. Remember, they look for easy targets. An unlocked car with the engine running? What could be easier?

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Finally...

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 person. Although this is a good thing, it's crucial that you don't get carried away. It's not normally that easy if you want the best price/value.

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

Remember to treat these no-obligation quotes as their name implies. Don't feel you have to pay until you've had all your questions answered satisfactorily. You will never get rude surprises down the road if you do this.

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