If you want to lower the cost of your auto insurance quotes, there are a few things you can do. The main factors that affect the cost of it are your credit history, gender, age, and your driving history.
If have compiled a list of the 5 easiest ways to lower your auto insurance:
1: Pay a higher deductible. If you always pay the lowest deductible, your insurance premium will eventually suffer as a result. A better idea is to pay a slightly higher deductible, for a much lower premium. The term deductible basically means the amount you are prepared to pay before your insurance policy becomes active. Remember, however, that in the event that you are involved in an accident (even a minor one), you'll have to pay out more initial expenses before making a claim.
2: Park your car off the road, preferably in a garage. Parking off the road reduces your chances of having your car stolen by up to 70%. This is reflected in the price of your insurance quotes, and can reduce your premium by up to 20% in some cases. Parking in a garage, therefore could mean the difference of a hundred dollars or so in your policy.
3: Look around different companies. Use price comparison websites to get auto insurance quotes from a multitude companies. When browsing, make sure to review each policy for it's benefits and not just on price. Different policies offer different protections, so be aware.
4: Take a Course on Defensive Driving. Most people don't know this, but by taking a defensive driving course you can reduce your premium by over 10%, although different insurers value this course differently.
5: Downsize the amount of coverage your policy offers. This is a potentially dangerous thing to do, but by reducing the amount of coverage that your policy offers, you will undoubtedly save money.
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