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10 Ways to Save On Your Car Insurance?
Looking to save money on your car insurance? Pay no attention to that talking gecko on TV. Rather there are things you can do that most insurance companies will gladly in turn provide you with discounts. Here are 10 ways you can save big:
- Shop – Always get multiple quotes from auto insurers. Most car insurance companies will say they have the lowest rates but you need to look at them side by side to find the best deal.
- Choose a higher deductible – A higher deductible results in lower premiums for you. But beware of a deductible so high that you would not be able to pay out of pocket should an accident occur.
- Maintain good credit – You credit score can affect how much you pay in premium. Keep your credit in good shape and you can save a bundle on your car insurance.
- Drive Safe – Do you have speeding tickets on your record? You will likely pay a higher premium when your insurance company sees that record. Keep safe and drive the legal limit. A clean driving record results in savings for you.
- Buy in bulk – Do you need homeowners, life, and health insurance as well? If you purchase multiple insurance types from the same company the insurer will often provide you with discounts.
- Drive a used “low profile” car – Yes, the model and age of your car can make a difference. An older car with a lower value and lower theft rate can save you money.
- Get just the basics – If you own your car free and clear and no longer have a lien holder you may choose to drop collision and comprehensive coverage. This is recommended for older cars with much lower value. But if you have an older car you can save money by just purchasing the required liability coverage.
- Safety discounts – Install safety features in your car such as anti-lock brakes and airbags. Safer cars ultimately result in less money that insurers have to pay out in claims, so you can save money.
- Take the bus – When you drive you car to work you expose it to a higher risk and chance of being involved in an accident. If you keep your car in the garage and use it only for pleasure or other errand-type driving, insurance companies will usually offer a discount on your premium.
- Your occupation – Certain occupations can receive car insurance discounts. Teachers, military personnel, and other occupations that require a high level college education can save you money.
Car insurance is not a one-size-fits-all. You have many choices when it comes to requesting a policy and getting discounts. Don’t be afraid to ask your potential car insurer what discounts they offer, or request a specific discount that you know may be pertinent. Happy shopping!
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