Top Ten Ways To Keep Your Car Insurance Bills Low
It is no secret that car insurance can be an expensive purchase
. Depending on where you live and what type of car you drive, the monthly cost of your car insurance premiums could easily exceed the cost of your monthly auto loan payment.Fortunately, there are some things drivers can do to keep their car insurance bills under control. By instituting these strategies you can keep your car, your family and your personal property protected without breaking the bank.
1.Be a Good Driver - one of the most effective things you can do to keep your car insurance premiums under control is to simply be a good and a careful driver. Many car insurance companies provide discounts for drivers who have not had an accident, so keeping your driving record clean can save you a great deal of money.
2.Raise Your Deductibles - no matter what type of insurance you are talking about, the premium rate and the deducible move in opposite directions. When you accept a higher deductible you shift some of the risk from the insurance company back to yourself, and the insurance company rewards that risk with a lower monthly premium.
3.Choose Your Car Wisely - some cars are surprisingly expensive to insure, so before you pick out your dream car be sure to check the insurance rates carefully. Driving a fancy new sports can might be fun, but the insurance premiums can put a dent in your wallet.
4.Pick the Right Payment Plan - many car insurance companies provide discounts for setting up automatic payments from your credit card or checking account. These automatic payments also provide excellent convenience, so drivers should definitely consider these options.
5.Shop Online - shopping online at a car insurance comparison website is an excellent way to save money. These online sites let you put your information in one time and have many car insurers compete for your business.
6.Shop Offline Too - while online sites are very convenient and easy to use, they do have their limitations. One such limitation is the fact that not all companies participate in these online marketplaces. Shopping offline provides a good compliment to those online comparison sites and helps you find the best price.
7.Take a Defensive Driver Course - learning to drive defensively is the best way to avoid an accident, and car insurers often reward those skills with lower premiums, lower deductibles and other perks.
8.Install an Anti-Theft System - installing an anti-theft system in your car can help that car stay where it belongs. A good anti-theft system can also give you lower insurance rates, since it reduces the likelihood that the insurer will have to pay to replace your stolen vehicle.
9.Use the Garage - if your garage has so much junk in it that your car does not fit, clearing away the debris could save you a lot of money. Many insurers provide discounts for garage kept vehicles, so cleaning out the garage could reap big rewards.
10.Watch Your Credit Score - like it or not, your credit score can affect your car insurance premium, so keeping an eye on your credit report is one of the best ways to keep your premium low. Checking your credit report at least once a year is also the best way to stay ahead of the identity thieves, so there is really no reason not to do it.
By taking advantage of every available discount and saving money where you can, you can keep your car insurance premiums as low as possible without sacrificing the quality coverage or protection you need to stay safe behind the wheel.
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