Imagine this, you’re getting ready to buy a shiny new car, but then you realize you need to spend a boat-load on the car insurance too. Womp womp! But it’s not true, it’s possible to have cheap car insurance even on a new car! Whether you’re looking at new cars or keeping your current one, check out our list below to see how you can save on your auto insurance:
Choose Your Car Wisely: Before car shopping, compare car insurance quotes for the cars you’re considering. Car insurance premiums vary by vehicle model. Safe cars tend to be cheaper to insure than expensive luxury cars. Also, some vehicle models have a higher risk of being stolen. Speak with your agent to learn more about comparing car insurance rates for the final contenders.
Drive Safely (Duh!): There are many reasons why driving safely can help you out. Car accidents and even traffic violations will increase your car insurance rates. Avoid unsafe driving to avoid spending more! Additionally, if you’re confident in your stellar driving abilities, drivers are able to sign up for the safe driving program. The safe driving device collects information about your driving behavior. You’re rewarded for driving at a safe speed, driving during safe hours, and making safe stops.
Ditch Unnecessary Car Insurance: Consider lowering or dropping your collision and comprehensive insurance for older vehicles. If your car is worth less than the deductible and annual coverage you would be paying, ditch it! However, set aside some of that cash for possible car repairs or a down payment on a new car once your car goes kaput.
Increase Your Deductible: The deductible is the specified amount that you’re required to pay before an insurer will pay a claim. Agreeing to a higher deductible results in a lower premium. However, make sure you have the capital to pay if you actually need to make a claim.
Improve Your Credit Score: Having a good credit score can help you save. Insurers say that drivers with good credit tend to make fewer insurance claims. Make sure you check your credit score regularly!
Reduce Your Driving: The less you drive, the more you save on car insurance. Most companies track mileage; so hitch a ride with a coworker. This will lower your car insurance rate, decrease the miles you’re putting on your vehicle, and help save the environment. That’s what we call a win-win!
Take Advantage of Discounts: We offer many ways to save such as: vehicle discounts, policy discounts, lifestyle discounts, and driving discounts. We’re eager to make quality car insurance affordable; ask how we can save you up to 45% off!
Remember That Cost Isn’t Everything: There are insurance companies that will advertise dirt-cheap rates, but what if you actually need to use your car insurance after an accident? Consider the level of customer service along with a low insurance rate. Especially after an accident, you’ll want the claims process to go as smoothly as possible. It’s important to have dedicated agents who are available 24/7 to answer your questions and provide insight.
With so many ways to save, it’s possible to have affordable auto insurance. Speak with an agent today to see how we can lower your car insurance rate!