by Daniel McClain on Feb 17, 2015
Auto insurance is a necessity, but that doesn’t mean it has to be an expensive necessity. There are plenty of simple ways to save money on auto insurance without sacrificing protection or peace of mind. Use the following tips to lower your bill.
Your insurance rates are affected by your driving habits. Multiple traffic citations or costly accidents could increase your premium.
You can’t control the weather or other drivers, so some accidents may be unavoidable, but there are plenty of things you can do to reduce the chances of being in an accident or getting a citation.
Insurance rates are partially determined by the amount of driving you do. The less you drive, the less likely you are to be in an accident. This means that if you drive less, your insurance rates will generally be lower. Consider carpooling, riding a bike, or taking public transit to reduce your yearly mileage.
Some insurance companies offer lower rates to customers who bundle their insurance policies. If your auto insurance provider offers homeowner’s insurance or life insurance, consider signing up for other services.
A 10-year-old Buick will be cheaper to insure than a brand new Ferrari or Porsche. Next time you purchase a new car, do a little extra research. Is there a similar vehicle that will cost less to insure? Save money by doing your homework.
Some companies offer discounts to customers who take a defensive driving course.If you never ask about discounts, you may be missing opportunities to save money.
One of the simplest ways to reduce your insurance premium is to opt for a higher deductible. You’ll pay less every month, but a little more if you are actually in an accident. This is a riskier option, but it is a simple way for careful drivers to save money all year long.
Your auto insurance can be affordable. Use the above tips to reduce your monthly rates and save money for other things.
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