Friday, March 14, 2014, PM | 1 Comment
Car insurance is required in all states. Whether you drive a family car or a truck, you need minimum coverage. Auto insurance rates vary from one provider to another. How much you will pay on coverage also depends on the state where you live. The good news is that there several ways to reduce your premiums and get a good deal on your favorite car insurance plan.
Drivers can save as much as 70 percent by limiting their annual mileage, raising their deductibles, and applying for discounts.
Compare Auto Insurance Quotes
Shop around for the best auto insurance rates. The Internet is a good place to start. The world’s most popular car insurance providers operate online. You can either visit their websites and request a free quote, or use third-party sites for comparing multiple insurers in one place.
Before making a decision, compare at least three quotes from different companies. Research each insurer and read customer reviews. Use an online comparison service to get the best deal on your policy.
Increase Your Deductible
One of the best ways to lower your insurance rates is to choose a higher deductible. Drivers who raise their deductible from $250 to $500 can save over 10 percent on car insurance.
However, if you have an old car, the savings will be minimal. When comparing auto insurance quotes online, contact your favorite insurers and ask how much you can save by raising your deductible.
Take Defensive Driving Classes
Defensive driving classes are affordable and can teach you valuable skills. In addition, they can help you save another 10 percent on auto insurance. You will not only become a better driver, but also make savings.
Some auto insurers will reduce your premiums by up to 35 percent for taking defensive driving classes. It’s that easy!
Apply for Car Insurance Discounts
Get the credit you deserve for being a good driver and keeping your car safe! Auto insurance companies reward drivers for installing anti-theft devices on their cars, maintaining a clean driving record, and taking good grades at school.
You may also apply for club membership discounts, low mileage discounts, multi-policy discounts, homeowner discounts and more. Check your car insurance policy to learn about the discounts offered.
There are plenty of ways to save money on auto coverage, such as bundling your car and home insurance together, keeping your vehicle in a garage, or driving less.
If you don’t have a car yet, buy a small one. It’s much cheaper to insure a sedan or a hybrid vehicle than a luxury car.
To keep your premiums low, maintain a good driving record and don’t make any changes to your vehicle.
Informational credit to Diamond Honda of Puente Hills, Honda in Downey, CA.
- Mar 27, 2014: My Homepage