Auto Insurance Tips that Will Save You Money
Ah, auto insurance. Clearly, a topic that brings joy to every driver’s heart. Well, actually not. But here is an impressive collection of tips that will help you save money.
Less Expensive Car = Less Premiums
In the ongoing quest for cheap auto insurance, consider a cheaper car. Imported cars, no matter how cool or cute, inevitably are more expensive to insure. Cars that are less likely to get stolen are also cheaper to insure. Cars that are more difficult to repair, cars that are more complex or have more bells and whistles, also cost more.
You Better Shop Around
It’s more than just a decent song title. Insurance rates can vary widely from company to company. Check also for extras like accident forgiveness or vanishing deductibles.
The More, the Merrier
Do you have a house or rent an apartment? Then you may have home or renters’ insurance. Bundling these insurance policies with your car insurance will save you money. Also, make sure you insure all of your vehicles with the same company, since multi-vehicle discounts are a common incentive.
If you shopped around and did your research and found a company that you like, consider sticking with them for the long haul. Some companies offer loyalty discounts, and you don’t want to miss out on them for the sake of a short-term savings by jumping ship prematurely.
Check out “Does it Pay to Be Loyal to Your Auto Insurance Company?” for more info on this topic.
Have Smart Kids
Many insurance carriers offer discounts for children with good grades. This becomes very important when you start putting your teenagers on your auto insurance policy. There are also discounts offered to new drivers who complete a driver’s education course. If all else fails, just don’t put teenage boys on your policy…yeah…okay, so maybe that’s not going to be very practical if you happen to have teenage boys. Worth a shot, anyway.
Be an Awesome Driver
Last but not least, drive safely and courteously. The better your driving record, the less you end up paying. Conversely, many insurance carriers slap on surcharges for traffic tickets.
While there are more tips out there, these are enough to get you started on the road to paying less for car insurance. Drive safely!
Byline: John Terra has been freelance writing since 1985, and really enjoys New Hampshire’s approach to auto insurance.