Seven Sure-Fire Tips For Affordable Auto Insurance

It doesn't normally take implementing very many tips to get massive discounts while maintaining sufficient coverage. You may be embarrassed to find out that all that's keeping you from far cheaper rates are little things you can quickly deal with. I'll take the pains here to reveal some of those things...

1. Don't make the mistake of parking your car in places where it won't be safe. 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. I hope you also know that you'll pay less if you have a garage for your car.

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. Retirees are offered a special discount by a good number of insurers. You will most like NOT drive as often as you used to do once you retire. Driving less will result in reduced mileage which definitely makes you a better risk.

This savings option is surely not one any retiree should pass on. Do learn more about the finer points from your insurance agent. If for some reasons they do NOT have a discount like this, don't fail to tell your insurance agent about the change in your mileage. This should result in better rates for you.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. By the way, your credit card might already offer this as a benefit so check.

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 attract better rates than another with a lower rating all other things being equal. Does your car have built-in safety mechanisms? They'll qualify you for a Safe Vehicle Discount. Examples of these safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights. To get more details on this and how much savings you'll realize by fixing them, discuss with your insurance 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. 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. Although this may sound funny, you can bring down your rates by getting married. I know you won't get married just for this but when you do, it will save you a bit in auto insurance. 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. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

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. Car thieves are known to go for easy targets. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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An extra tip...

You can get lower rates on auto insurance today by visiting at least five quotes sites. Each quotes site will take you about 5 minutes or less to obtain quotes. (Some people give information that are not quite correct about themselves. That isn't smart since the quotes you'll get this way will NOT be of any use to you).

You'll simply select lowest auto insurance quote for you from the list of quotes you've obtained. That's all there is to it. But you could get savings hundreds of dollars.

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