Seven Tested Steps For Low Cost Car Insurance

You don't have to do great things in most cases in order to bring down your rates. It's normally little things that result in big discounts. Following are several tips that will help you achieve that goal...

1. Don't make the mistake of parking your car in places where it won't be safe. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. Parking your car in a garage will help you reduce your rate over time.

And, lest I forget, if you drive out in the night do your best to have your car parked in a well-lit area. That will deter thieves. .And for no reason should you leave your car in the open street for a whole night.

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2. Are you a retired person? Then you should qualify for a retiree discount with most insurers. Retired folks don't have to drive to work every day. This will effectively lower anybody's mileage.

The fine points for each insurer might differ but this is certainly an excellent way to lower your automobile insurance cost. So it is a good thing to ask your insurance agent. Even if you don't refer to it as retiree discount, reporting a remarkable drop in mileage is advisable. You deserve 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. 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. A car with a higher safety rating will attract cheaper rates than one with a poor rating all other things being equal. Select cars that have mechanisms that improve safety. Such features get you a good discount. To get more information on these and how much you can save by fixing them, talk 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. This means that high risk profiles like teen drivers will benefit a lot from this type of training. If you consider the huge discount this will result in, a young driver will definitely save thousands in premium dollars in just 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. Getting married will bring down your rate by a huge margin. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. 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. Every thief checks how easy a target is before making a move. An unlocked car with the engine running? What could be easier?

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Finally...

You can lower your auto insurance rates by obtaining and evaluating quotes from at least five good quotes sites.

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