Auto insurance is one of those necessary items that many people don't realize they can save money & still get the right coverages. So how do you go about lowering your auto insurance costs? Here are 10 money-saving tips.
1) Raise your deductibles. Your deductible is the amount of money you have to pay before your insurance coverages kick in. The lower your deductible, the higher your premium. You could save a lot of money by increasing your deductibles on collision & comprehensive coverage.
2) Compare quotes from different insurers. Auto insurance companies base their rates on several factors, & because of this, rates vary a bit from company to company. You could save hundreds by doing some comparison shopping for the lowest rate. You should get at least two different quotes for comparison. An online insurance comparison website is a convenient place to start.
3) Drive fewer miles. one of the factors that affects your rate is amount of miles you drive annually. Many companies offer a discount for lower mileage drivers.
4) Maintain lovely credit. This is controversial, but the fact is many auto insurers appraise risk against credit ratings because they say that there is a correlation between lovely credit & lovely insurance risk. The better your credit score, the better rate you may get.
5) Stay a safe driver. Driving safely means lowering your risk of a collision -- & a claim. many claims can raise your auto insurance costs. Some insurers will reward accident-free drivers with a lovely driver discount as well.
7) Combine your auto & home insurance. Most companies will provide a discount on your rate if you insure your home & automobile with the same company.
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