Seven Proven Tips For Cheap Car Insurance

You don't have to do difficult things in most cases in order to reduce your rates. It's generally little things that result in massive discounts. I'll take some time out in this article to explore some of those things...

1. You'll help reduce your rates if you always ensure you park your car in a safe place. .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.

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. A good number of insurance providers give a retiree discount. You'll definitely NOT drive as frequently as you used to do the moment you are retired. A person's annual mileage is an important point that affects what is paid in premiums. Therefore, any event that reduces your total mileage considerably should reduce your rate.

Note that you are eligible for this discount if you are retired. Therefore it is recommended that you discuss this with your insurance agent. Even if you don't refer to it as retiree discount, reporting a dramatic decrease in mileage is advisable. This should result in more affordable rates for you.

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 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 high safety rating will make you eligible for cheaper rates than one with a lower rating all other things being the same. Does your vehicle have built-in safety features? They'll make you eligible for a Safe Vehicle Discount. Examples of such safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights. To get more information on this and how much savings you'll realize by having 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. 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. 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. 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. They generally file fewer claims and when they do, they usually cost less.

7. If you must quickly get something inside, turn your car off, lock up and pocket your keys. Don't leave your car unlocked and running. The only easier thing for a thief would be if you handed over your keys as a gift. Every thief checks how easy a target is before making a move. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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Bonus tip...

You will save a lot if you only have between 25-30 minutes. Visit, obtain and compare auto insurance quotes from various insurance quotes sites. The lowest quote should be your choice easily.

Nevertheless, you have to go beyond simply the lowest quote to the best price/value. The lowest priced may not be the best price/value for you as a person.

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