7 Sure-Fire Steps For Low Cost Car Insurance

You don't need to do exceptional things in most cases in order to bring down your rates. It's generally little things that bring about big discounts. Following are a good number of things that will help you achieve that goal...

1. Make sure your car is always parked 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. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

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. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Are you retired? Then you're eligible for a retiree discount with most insurance providers. Retired persons do NOT have to drive to work every day. This will definitely bring down anybody's mileage.

Don't forget that you qualify for this discount if you're retired. You can learn more about eligibility requirements from your insurance agent. And, if your agent says they do NOT offer this particular discount, do your best to show the dramatic change in your mileage. This should reflect in better rates for you.

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. By the way, your credit card might already offer this as a benefit so check.

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 vehicle with a high safety rating will attract better rates than one with a lower rating all other things being the same. Does your car have built-in safety mechanisms? You'll qualify for a Safe Vehicle discount if your vehicle has such mechanisms. Examples of these safety features are air bags, automatic seatbelt, ABS brakes and daytime running lights.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. They enjoy a good discount because they've acquired skills that make them respond better to incidents on the road thus making them safer drivers. The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short years. The savings involved should make any sacrifice you make to go through such a program well worth it. And, don't forget to tell your agent once you complete the course.

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. Insurers will tell you that their records show that married people make fewer claims. Furthermore, when they do make those claims, they usually cost less on the average than those married by their unmarried counterparts.

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. This is an open invitation to any thief sniffing around. 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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Finally...

You will save much if you really have between 25-30 minutes. Visit, obtain and compare auto insurance quotes from several insurance quotes sites. The lowest offer should be what you go for easily.

But, you have to look beyond simply the lowest price to the best price/value. The lowest priced may not offer the best price/value for you as a person.

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