8 Ways to Save on Auto Insurance
There are 8 sure ways you can help yourself to save money on your car insurance. While some may not apply to you, we are sure there’s at least a couple that will help you.
There are dozens of car insurance companies out there who offer affordable insurance policies. Be sure to shop around. If you are pressed for time, you can use InsuranceUSA.com to help you find the cheapest car insurance for your particular budget and situation.
Be Careful with Your Credit
Insurance companies use credit scores to help determine insurance premiums. If you pay your bills on time and do not default on anything, you shouldn’t have anything to worry about. If your credit score is low or your credit history contains negative or inaccurate information, you may end up paying twice as much for car insurance. Be sure to pay your bills on time and check your credit report at least once a year.
Higher Deductible Means Lower Premiums
Deductibles are the amount you pay before the car insurance kicks in to pay for the rest of the repairs. The lower your deductible is, the higher your premiums and vice-versa.
Park Your Car in a Garage
Parking your car in a garage will reduce theft and vandalism and for this reason the car insurance company will lower your insurance if it is parked in a garage.
Maintain a Good Driving Record
Drive safely. Avoid reckless driving, speeding tickets, accidents, DUI/DWI and other actions that attract undue attention of your insurer. Keeping your driving record free of black marks is one of the surest ways to keep your insurance premium low.
Anti-Theft Device and Safety Features
Installing anti-theft devices like car alarm, VIN etchings, and other deterrents is a great way to lower you premium. In addition, safety features such as seat belts, airbags, and such will also contribute to lower premiums.
Buy a Car that is Unattractive to Thieves
There are certain types of cars that thieves love to steal. You can minimize your risk of losing your car to theft and lower your premium by buying a car that thieves don’t necessarily want. This will help keep your premiums low because the insurance company won’t have to assume the added risk.
Find a Group or Membership Discount
Often you can find discount on your insurance if you join a group such as the American Automobile Association. In addition there are many well-established professional associations you can be part of and enjoy discounts through them. Don’t forget that if you are a member of the armed forces, you can typically get a military discount as well.