4 Mistakes That Will Raise Your Payments on Car Insurance

We know that if you have a perfect driving record, your car insurance would be fairly easy and simple.  But that’s not always the case and it’s not very easy to have that perfect driving record.

Most people are scared to go shop around for auto insurance but it doesn’t have to be like that. Even if you’ve already got some points on your driving record, there are still ways that will help you lower your premium. So before you go and start comparing rates, check out the following tips from us that will get you some discounts and can even help you avoid paying unnecessary fees.

Mistakes On Car Insurance

1. Avoid the late payments

Did you know that auto insurance can be unforgiving when it comes to nonpayment? Even if your payment is a day or 2 late, it might be just enough time for your insurance company to charge you those late fees or even suspend your policy.

But there is good news because most of the insurance companies now have their smartphones apps that are a life saver. They will remind you when the payment is due and most offer automatic payment so you don’t have to do anything.
Late Payments, Fees, Suspension, Insurance

 

2. Pay your entire premium up front

As we said a late payment can resolve in suspension of your policy which is not what you want. An easy way to avoid this if your insurance company doesn’t have automatic payments is just to pay your 6 or 12 months premium upfront. Plus this way you can avoid the processing fees your insurer likely charges your credit card when you pay each month.

 

3. Try to get good grades

There is one good side to car insurance if you are a student. But not just a student, a student with good grades. Most of the insurance companies have discounts for students with good grades so keep that in mind.
Good Grades, Discounts on insurance

 

4. Be careful when switching insurance policies if you have an SR-22

If you have been caught driving a vehicle without insurance, you’ll probably need an SR-22 form from your insurer. So when you want to switch your insurance company do that while you have the SR-22 filed, so you should purchase your new policy before canceling your existing plan because any lapse in coverage may disrupt your SR-22 status.

For more great insurance tips, check out our blog.

Please note: The information provided above is general. Insurox discount amounts may vary and coverage and discounts are not available in all states.

 

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