Keeping a car can be expensive these days, first you have your car payments, then of course you have petrol, maintenance, and of course, car insurance. You need to make sure you do your research when it comes to car insurance, find out exactly what you covered for, so there’s no nasty surprises should you need to use your auto insurance. You also don’t want to spend more on your car insurance than you need, after all in this day and age saving money is the new black.
Here are some of the best ways you can save money on your car insurance.
Make Yourself Appear Less Risky. Auto insurance companies determine how much you pay in premiums by how likely they think you are to be involved in a car accident. Show insurance companies your a safe driver by keeping a clean driving record and/or completing a defensive driving course.
Drive A Safe Car. Driving a car with a number of safety features may also make you appear less risky in the eyes of some insurance companies, which may qualify you for discounts on your premium. If you have air bags, daytime running lights, anti-lock brakes and/or automatic seat belts, make sure your insurer knows, and find out if they will give you a discount because of the safety features your car has.
Drive A Secure Car. Having an approved alarm system or other anti-theft device can also give you additional savings.
Request Higher Deductibles/Excess. The higher your deductible/excess, the lower your premium. The deductible/excess is the amount you need to pay before your insurance kicks in.
Drive Less. Many car insurance companies offer “low-mileage discounts” to policy holders who clock up less miles than the average driver usually would over the course of a year. If you think you could fall in to this bracket, do yourself a favour and give your auto insurer a call.
Combine Policies With One Insurer. Company’s will often give customers discounts as an incentive for you to put all your business through them. When you purchase your car insurance, find out if you’ll receive any discounts by letting them insure your home and contents as well.
Ring Around. There are lots of car insurance companies out there, so do your homework and make comparisons. Ring as many as you car insurance companies as you can and find out what they can do for you.
Ringing auto insurance companies and trying to compare apples with apples can be a time exhausting mission. By far the #1 easiest way for you to save 50% or more on your auto insurance is by visiting an auto insurance comparison website. Simply fill out a short form and, at the push of a button, you will receive quotes from numerous companies. This is by far the fastest, easiest way for you to make side by side comparisons and choose the best insurance for you.
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