Cut your car insurance cost by following these 5 recommendations:
1. Be a responsible driver
Those who cultivate responsible and careful driving habits tend to have fewer accidents, better driving records, and lower auto insurance costs. While you can’t plan for every situation you may face on the road, you can take a few easy steps to reduce your risk, and cut auto insurance costs:
- Stay focused. Avoid distractions such as cell phone use, texting, eating while driving, or using your GPS while in motion.
- Respect speed limits. A speeding ticket not only adds points to your record but also can result in mandatory increases to your premiums.
- Invest in a defensive driving course. These courses can teach you vital skills that could keep you accident-free. Some insurance companies offer reduced rates for drivers who complete such courses.
- Plan ahead. If you’re going to be driving to a new area for the first time, take a few moments before you leave to plan your route, memorize key intersections, and note landmarks.
2. Shop around
Auto insurance rates vary from one company to the next, so don’t simply accept the first quote you get. Get at least three car insurance quotes from different providers before sitting down to weigh the pros and cons of each policy. You can choose to shop locally, by personal referrals, or online. If you shop online, let CarInsuranceQuote.com help you find the most competitive auto insurance rates in your area and will be able to cut your car insurance cost.
3. Research before you buy
The year, make, and model of your vehicle affect the cost of your car insurance. So do a little research before you purchase a car. Some factors to examine include the car’s price, its safety record, its repair and service costs, and its desirability among car thieves. Yes, cars that are more likely to be stolen are more expensive to insure. Remember too that some cars have safety and anti-theft features that can reduce your insurance costs.
4. Reduce coverage on older cars
The need for comprehensive and collision Auto Insurance decreases as your car ages. Generally, if your premium rate is greater than 10% of your car’s worth, full coverage may not be in your best interest. Perhaps a collision-only policy would be a better choice. Compare your car’s Blue Book value with your premium to see if you’re “over-insuring” your vehicle. CarInsuranceQuote.com can help ensure that you pay for just the coverage you need.
5. Use one provider for your auto and home insurance
Most insurance companies offer considerable discounts to customers who purchase their auto and homeowner’s insurance through a single provider. Such “multi-line discounts” can add up to big savings in the long run. We can help you find competitive car insurance rates in your area.