How to save on car insurance
Car insurance rates are generally based on a number of factors. That includes location of the driver (residence), driving record, and type of vehicle. But there are ways you can make sure you’re getting the best deal on your auto insurance. Follow these tips and you could reduce the cost of your policy premium:
Get multiple Car Insurance quotes
Comparison shopping is the single most important thing you can do to get the best possible rates on auto insurance. Prices for the same coverage can vary greatly from one insurance company to another. It’s wise to review your insurance coverage and shop around before you decide on an insurance company. Most of the quotes can be done online, and using Comparative Rater for Auto Insurance like Insurox could save you money on Car Insurance.
Experienced, knowledgeable agents can make a difference
Your agent is the direct link between you and the car insurance company. If you compare quotes in person or over the phone, is really important your insurance agent to explain the coverage options. Identifying applicable discounts and writing a policy to fit your budget.
Make sure your car insurance policy accurately reflects you
If it has been a while since you first got car insurance, you may want to check the information your insurance company has about you. If you have moved to another neighborhood, or have gotten married you may be eligible for a premium reduction. You can save money on your car insurance If you have installed an anti-theft device or you drive fewer miles too. Many Insurance Companies check driving record only for three years, so if it has been at least three years since your last violation, it’s time for you to shop around.
Always Ask about car insurance discounts
You may be eligible for discounts that are not automatically applied to your policy, so be sure to ask. The following discounts could help you reduce your costs:
- Low mileage/restricted mileage discounts. The less you drive, the more you save.
- Early Quote Discount. Get quote at least 8 days before you buy car insurance.
- Safety feature discount. Automatic seat belts, airbags, and anti-lock brakes can not only save your life but also save you money.
- Anti-theft device discount. Ignition and fuel cut-off systems, alarms, hood and wheel locking devices, and window identification systems can protect your car and lower your premium.
- Multi-car discount. Insuring more than one car with the same company qualifies you for a discount with many companies.
- Other discounts. Over age 55, nonsmoker, completion of driver-training course, car-poolers, students away from home without a car, and good grades for students are other features that insurance companies may take into consideration.