Maybe many of you know a lot about how to complain about the cost of auto insurance. This should not be surprising, since most people pay at least several hundred dollars a year on his car. Of course, the premium of the policy is much more costly than because of his driving record, age and other factors. So in fact the opportunity cost of car insurance premiums low and save money?
They can not be without a car, if you have a car, because it is illegal in most states. It also requires a minimum level of liability coverage. Of course, drivers are often smarter than the minimum car insurance, if you want that protection, that is sufficient and appropriate to their needs. What are you doing to save money? You can make the cost of the car in a few simple steps, rather than your policy directly. Here are twelve ways to reduce the cost of auto insurance. However, not all of these ideas for you, but chances are good that there are one or more responsible for their needs.
Twelve ways to save money on auto insurance:
1. Around the store
You do not have the same old policy of automobile insurance for all. It is all to buy, especially when the policy is ready to be extended. If your policy premiums rise, you may find you can use the same type of coverage for less than they pay now. Car insurance rates vary widely among different auto insurance, even though they are all under the same standard auto insurance agency in the area of the border.
2. Make sure that your credit score well
Every car, your credit report if you provide insurance services. The reason is that there is a relationship between people who have bad credit history and other behaviors that are not at risk insurance. People who have their accounts on time, and have a good result, Credit checks, pay less for auto insurance for people who do not.
3. Raise your deductible
The increase in car insurance deductible is another simple way to their car insurance premiums. Increasing your deductible can lower the cost of car insurance in general, as ten percent. You can change your deductible from $ 250 to $ 500, as well as reduce the premium. However, it must be borne in mind that you have the financial means to pay a higher deductible if the accident.
4. Drive less
It does not seem to be necessary, but many of the car you get a discount if they meet the requirements of low mileage. This may, as a rule, about 7500 kilometers per year. If you believe that you can for it, go for it! Some ways to do so is to use public transport, or a group for their daily and sit on the train or fly, if you're going to go on vacation.
5. Drive safely
Once again, a total no-brainer, but if you have a clean driving license for a period of time, you can create a "safe driver" discount. Most insurance companies require the car three years, which were not accidents, speeding up the tickets, convicted of drunken driving, as well as all other moving violations. Most drivers at a discount to ride on safe driving and careful decision-making process and for daily life.
6. Do not use a car for your business
If your car for business purposes, they generally have higher premiums, because it means that car insurance should take more risks in their name. If you do not have to use a car for work, then no.
7. Buy a car with low profile
Auto Insurance car on a scale of risk. This means that the high rate of sports cars and other vehicles, as crude goes to the top of the scale of risk. This is because these vehicles are more likely to be stolen, and people tend to drive the outcome of bad trips, including reckless motion and speed, and many others. If you drive a high-profile vehicle, be prepared to pay more for car insurance, when the driver of a limousine or other vehicle with less risk.
8. Keep your car in the garage at night
Auto insurance gives you a discount if your car in the garage at night. This is because the car is working in the garage to lower the risk of vandalism, theft or other motorists. Discounts are usually small, but every bit helps to reduce insurance premiums for cars.
9. Moving to another area
People in rural communities are generally less crime and less congestion, people live in urban areas of the city. This is because the city can be stolen vehicles, vandalism, as a result of an accident, as well as more wear and tear of vehicles in rural areas. Thus, the auto insurance will be less than rural drivers. Of course, you can not only save money on car insurance, but may be problems if you think about it, from one area to another.
10. Install security and anti-theft device
Auto insurance companies offer discounts for safety devices such as automatic seat belts, antilock braking systems and airbags. They also offer discounts for anti-theft devices such as alarm systems and monitoring systems, which track the vehicle if it is stolen.
11. Check the multi-family housing and multiple policy discounts
Most insurance companies offer discounts if your car is also for other types of insurance, too. For example, your home and auto insurance through the same company. It may also be a discount for more than a car with the same company.
12. Further discounts
Most auto insurance companies offer discounts based on several criteria. Learn about discounts for members of AAA, safe driving courses, or a loyal customer.
You never know until you ask!
Twelve ways to save money on car insurance
Labels: Insurance