7 Sure-Fire Steps For Affordable Vehicle Insurance

You don't need to do difficult things in most cases in order to reduce your rates. You may be embarrassed to discover that all that's making it difficult for you to get far lower rates are little things you can quickly take care of. Let's look at a good number of them here...

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. 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. Many insurance carriers offer a retiree discount. The plain argument for this discount is that retired persons usually drive less. Driving less means lower mileage which surely makes you a lower risk.

Remember that you qualify for this if you are retired. Therefore it's recommended that you ask your agent. If for any reason they do NOT have a retiree discount, don't forget to tell your agent about your change in mileage. You are entitled to a lower rate if the difference in your mileage is considerable.

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 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 much more to insure a car if it has a low safety rating. Safety features should receive more consideration when buying a new vehicle. Such systems attract a reasonable discount. Examples of these safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights. To get more details on these and how much you can save by having them, consult your insurance agent.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. 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. Therefore, do your best to get trained in defensive driving from a recognized center. And, don't forget to tell your agent once you complete the course.

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. 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. Never leave your car unlocked and running while you dash in to get something. This simple act makes it very easy for thieves. 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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Bonus tip...

The most vital key to reasonable savings in auto insurance is comparison shopping -- Provided that you do it correctly. You can get quotes that will have a range that exceeds $1,000. You could easily save that much by simply choosing the lowest quote. That should be the case if you're simply after the lowest price.

However, if you want the best price/value then you would have to look at the details of the cheapest offers. Different insurance companies may have slight differences for similar policies. It's a good idea to ask the agent what's part of the deal and what's not.

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