Of all of your expenses, we are willing to bet that the one of them that irks you to no end is the cost of car insurance. This is because if you don't use it, the money is wasted. If you do use it, your monthly premiums go up. Since we feel that car insurance is a no win proposition, we are going to point out seven ways for you to save money on your car insurance.
First, if you are a member of the armed services, you should ask for a military discount. Additionally, there are insurance companies which cater exclusively to military and government personnel, so you may want to check out their rates.
Second, take a defensive driver or driver education course. Most insurance companies will recognize these courses and will lower your rates correspondingly.
Third, you should receive a discount if you have certain safety features on your vehicle. Examples of these safety features are anti lock brakes, automatic restraint systems, and automatic daytime lights.
Fourth, if you have a homeowner or renter's insurance policy, you should see if you can combine them with your car insurance policy. Oftentimes, many providers will lower your rates due to a multi rate policy discount.
Fifth, you can raise your insurance deductible. You can often save at least 10% on your policy if you raise your deductible from $250 to $500. As a note of caution, if you do raise your deductible, make sure you have the money set aside. If you are unable to pay the deductible, the insurance company will not pay the claim.
Sixth, if you have not been involved in a car accident in the past few years, ask for a safe driver discount. We firmly believe that if you have a clean driving history, your insurance company should provide an incentive to stay with them.
Seventh, if you are only driving to work and then back home the majority of time, you may be eligible for a low mileage discount. Several insurance companies will extend this discount to their customers, especially if they have a cleaning driving record.
If you are able to implement any of these seven tips, you can be assured of reducing your monthly insurance premiums. If fact, if you can implement all seven of them, you will be able to significantly reduce the amount of money you spend on car insurance each year.
The Cheap Car Insurance for Women Center and the Cheap Car Insurance for Young Drivers Guide were designed to aid men and women in finding cheap, low-cost car insurance.
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