Paying too much for car insurance? You are not alone. There are many people who are in the same boat as you. However, that does not mean you can't make some changes and get cheaper auto insurance. Here are five helpful tips for reducing your car insurance rates:
Take a Defensive Driving Course
Defensive driving courses are not just for teens. If you have a lot of points on your driver's license from speeding, for example, you may benefit from taking a course. During this class, an instructor may go over several topics, such as your state's traffic laws and crash prevention techniques. Once you finish the course, you may get points subtracted from your license and get a discount on your insurance.
Think Twice Before Buying a Flashy Car
Is it time to purchase a new car? If so, you may want to be cautious about the type of vehicle your purchase. If you buy a sports car, for example, your insurance company may charge you more money for insurance because sports cars have powerful engines, encourage more daring driving tactics, and are more likely to get stolen.
Carpool to Work
Your insurance company may give you a discount if you drive fewer miles than the average driver. This is because driving fewer miles reduces your risk of getting into an accident. If you ask some of your coworkers to carpool to work, you may be able to save some money on car insurance.
Install Anti-Theft Devices
Another way you can reduce your car insurance rates is to install anti-theft devices, like a car alarm or hood lock. If your insurance company sees that you are making an effort to protect your car from theft, they may lower your insurance rates.
Improve Your Credit Score
Your credit history can affect your car insurance rates more than you think. Insurance companies tend to charge people with lower credit scores higher prices for car insurance. If your credit score is low right now, make an effort to improve it. Pay all your bills on time and try to make more than the minimum payment on your credit cards every month.
You do not have to get stuck paying high car insurance rates forever. If you follow these helpful tips, you can lower your car insurance premiums. Also, do not hesitate to ask your insurance agent about other discounts you may qualify for.
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Share23 February 2017
I still remember the first time I had to chose an insurance policy; I was 17 years old and had just saved up enough money to afford my very first car. I was so excited to begin driving, but overwhelmed with all of the different auto insurance options. My father helped me chose a full-coverage policy that would cover the cost of my car if it were to become damaged in an accident. When I inevitably caused a small fender-bender as a new driver, my insurance company paid for my car repairs, so it sure was the best policy for me! Now that I am older and have learned a lot about home insurance and other types of insurance, I thought I would make a blog to help others who need insurance advice, like what my dad gave me. I hope I can help you make wise insurance decisions!