6 Techniques To Lower Your Auto Insurance Rates
If you own a car you probably have car insurance. You probably feel that you pay way too much on your car insurance and want to lower it. However most people believe they can’t lower or find a lower rate. This just isn’t true. There are a few techniques and solutions that you can use to lower your insurance rate. Just keep reading!
1. Start Driving Less
Did you know that if you drive less you can lower your auto insurance? If you barely drive your car, call your insurance company and ask if you can have a lower rate because of the miles you drive. If you drive too much, maybe consider carpooling, or riding a bike. The less your drive the more you save.
2. Look For A Higher Deductible
By choosing a higher deductible you can have a lower premium. However you should have money in the bank or saved in case of an accident (so you can pay the deductible).
3. Be On The Lookout For Discounts
Most auto insurance companies offer discounts to their customers. Some common discounts are listed below:
- The Student Discount – If your a student and want a discount ask if they have a student discount.
- The Safe Driver Discount – When your a safe driver you get a discount. The longer you g with out crashes the higher discount you can get.
- The Safe Car Discount – Is your car safe? Does your car have anti-theft installed in it, or anti-lock? These safety features and others can help you can a discount on your car insurance. So take a peek in your car manuel and check it out.
- The Multiple Policy Discount – Some if not most have discounts when you have multiple insurance policies with them.
- The Senior Adult Discount – Most insurance companies offer discounts to seniors above a specific age.
The discounts listed above are only a few of the discounts that may be available to you. Call your insurance company and find out if qualify for any of these listed above.
4. Eliminate All The Unnecessary Coverage
Every car insurance company in your state has to meet a specific requirement. The standards so to speak, but most companies also add a lot of “coverage” for things that may never happen. By eliminating these extra “coverage” you can reduce your car insurance rates by 10% – 15%. So get out your policy and highlight what you need in one color and what you don’t need in another.
5. Complete A Drivers Safety Course
Check with your car insurance and see if they offer a discount for people who have passed a driver safety course.
6. Use The Internet To Compare Auto Insurance
The internet is one of the best resources to find and purchase car insurance. Compare different car insurances online to make sure you’re getting the best available policy to you.
Everyone can save on their car insurance. You just need to find the right policy for you.