Like most people, you may be looking to save some money in your life right now. You can get some good auto insurance discounts if you keep in mind these simple tips and tricks when shopping for your next policy.
1) Drive carefully. It might seem obvious, but the number one reason your insurance costs will go up is an accident, so do what you can to avoid one. Drivers have more and more distractions in their cars these days, and distractions add up to accidents. Do what you can to minimize them, like staying off your cell phone, pre-programming radio stations, and by never, ever, texting while driving. It saves lives and saves money.
2) Learn to drive like a pro. For parents with teens about to be added to their insurance, a good driver training course will do wonders for the insurance company’s confidence in your child’s driving, and the bottom line. Many school districts offer them, but you might also look into private courses, which will make your young driver safer and reduce the risk of accidents, which, going back to tip #1, means lower costs. More experienced drivers can also benefit from driver training courses as well though. Defensive driving classes are available around the country that can help you find discount car insurance, and some are even fun. Some quick searching around the web will turn up plenty of options.
3) Buy a safer car. Not all cars are created equal when it comes to auto insurance. In any given price range, the insurance industry rates different cars based on their safety features and likelihood of being in an accident, based on crash statistics. Organizations like the Insurance Institute for Highway Safety rate cars based on their safety, and often choosing one of their top picks when buying a new car will result in lower rates. Sometimes you’ll be surprised too; safer doesn’t always mean boring.
4) Bundle your insurance. Getting all of your vehicles, and even your home (whether you own or rent), bundled into one policy with one insurer can save you hundreds of dollars a year on your policy. Check with your agent or get online quotes that include all of your vehicles, as well as your homeowners or rental insurance. The savings can be up to 20% with some insurers!
With just these few basic tricks, you’ll soon find that auto insurance discounts are easier to find than you ever realized.