Global Courant
Some things in life are free. Auto insurance isn’t one of those things, and it can be quite expensive. Here are some ideas for saving money on car insurance.
Depending on what state you live in, having auto insurance may not only be a smart way to protect your car, it may also be the law. Certain states require drivers to carry insurance on their vehicle, and with good reason. Car repairs can be very expensive and most people don’t have a few thousand dollars set aside just in case an accident happens.
Since car insurance is something we have to spend money on, we should try to save at least some money while doing it, right?
Here are a few tips to help you save some money on your car insurance.
1. Get quotes from more than 1 company. You severely limit the money you can save by signing up with the first company you get a quote from.
2. See if your employer has special relationships that may entitle you to cheaper insurance. Some companies that are only available for groups have incredibly attractive rates and can save you a lot of money.
3. Some companies offer percentage discounts for a good driving record, good grades in school, and defensive driving courses. A defensive driving course may cost you a few hundred dollars, but it could save you many times over for years to come. Check with the insurance company to see which programs qualify for this discount.
4. Make sure your motor vehicle record does not contain misinformation. Identity thieves have found that it’s not that hard to get their touching transgressions on someone else’s file.
5. Carrying a higher deductible, say $1000 instead of $500, can lead to lower rates. If you are not prone to accidents, a higher deductible may be a good choice for you.
6. If you have a teenage driver, consider letting them get their own policy. In any case, ask for quotes to compare if they add unnecessary costs to your rates.
7. Moving to a rural area. This probably isn’t a viable option, but car insurance policies vary widely by area and state. Densely populated areas often have much higher rates than rural areas.
8. If your vehicle is paid for in full, you may only need to carry a minimal amount of insurance. Check with your insurance company and state laws to see if you are required to carry coverage, such as liability, collision, or comprehensive coverage.
9. Some car insurers give a discount if you have installed an alarm or theft protection. If your car doesn’t already have one, consider getting one.
There you have it. A few free tips to save money on your car insurance. Some may work for you and some may not, but you won’t know you’re getting the best rate unless you try some of these tips. Good luck lowering your car insurance bill!
Tips to save money on car insurance
World News,Next Big Thing in Public Knowledg
#Tips #save #money #car #insurance
