20 Tips To Cheaper Car Insuranse
ADDED
05-28-2007
Here are some tips to help you keep down the cost of your car insuranse:
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1 Consider buying from the internet. These companies have less overhead costs which can save you 5-10%.
2 Do some shopping. All companies are different so shopping and comparing could save you some big bucks.
3 Buy extra products. Most insuranse companies will give you a break if you have other insuranse policies with them.
4 Pay your premium in full. This will help you avoid interest and billing charges.
5 Increase your deductible. Agreeing to pay more on your deductible will result in less premiums.
6 Lower your annual mileage. Most annual coverage is reduced if you have 12,000 or less miles a year. Look at options to help save you mileage.
7 Install an alarm if you don’t already have one.
8 Take the advanced driving test. This will tell insuranse companies you are less likely to be involved in an accident.
9 Don’t over inflate your car’s value. You will only be paid current market value in the case of an accident.
10 Check your credit rating and strive to maintain a good credit score.
11 Purchase only liability insuranse. This is good for cars that have lost most of their value.
12 Avoid citations. Citations not only are expensive, they result in higher insuranse premiums.
13 Remove any unnecessary drivers and only pay coverage for those who will be driving the car on a regular basis.
14 If you are young, try adding an older driver to the policy. This might help lower the premiums.
15 Try to avoid claims of any kind. You can receive a discount if you go five years without a claim.
16 Avoid filing a small claim since this could increase your premiums up to 75%.
17 Buy a car that is in a lower premium bracket.
18 If possible, join a car club. Most of these clubs have ways to get good rates.
19 Name your spouse as a driver. Many insuranse companies see marriage as a sign of stability.
20 Take a driving class. Many companies offer discounts to people who have completed driver safety classes. |
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