Top Car Insurance Savings Tips
Saving money on your car insurance is as easy as making one phone call to your insurance agent to discuss your specific situation including vehicle used, driving habits and miles driven.
1. Get more than one quote. Call around and check some online sites for the best quotes. To find the best possible rates, make sure to compare equal coverage amounts.
2. Use the same company for your home and car. Many insurance companies will give you up to a 15% discount if you insure both your car and home with them.
3. No tickets, please. Just one speeding ticket can raise your rates 10%-50%. Don’t even think about getting a DWI because your rates can double or even triple.
4. Ask about discounts. Ask your agent if they offer the No Claims discount, Senior Citizen discount and Safe Driver discount. You can also save if you do not drive your vehicle more than a specified number of miles per year.
5. Don’t forget those deductibles. Take careful consideration when selecting your policy’s deductible. If you chose a low deductible, you will pay less in the event of an accident, but more on your monthly premium. However, with a high deductible, you’ll pay more if you should have an accident, but less each month.
6. Try to be accident-free. Not all accidents can be avoided, but driving safely can help you qualify for the safe drivers discount, prevent harm to you or damage to your car, and keep your auto insurance rates down.
7. Check car safety ratings. Driving a safe car has its rewards. The next time you’re shopping for a new vehicle, study safety ratings and features. Many auto insurance companies will provide you with a better rate if you drive a model better known for safety.
