Posted on: 28 March 2017
Auto insurance rates can run you an average of $100 to $200 a month, depending on where you live. Even though you need this type of insurance if you own a car, you don't need to pay top dollar. However, getting a cut-rate plan that meets the bare minimum of requirements may not cover you when you really need it. But that doesn't mean your only option is to pay top dollar. There are ways to get a plan that meets your needs and fits your budget. Before picking your plan, check out the ways in which you can save on car insurance.
Good Driving Record
Are you accident-free? Some insurance providers want to reward you for your awesome driving abilities. If you haven't been found the cause of an accident and don't have any blemishes on your driving record (such as speeding tickets), ask your agent of there is a way to reduce your premiums. Companies that offer this type of discount typically have a set period of time that they look at. If you've demonstrated that you can keep a good driving record over a several-year block of time, you may be in for a percent or dollar amount off of your payments.
Car insurance isn't the only type of protection you need. You may also need home owner's or rental insurance. Using the same company for all of your insurance needs often means that you get a bundle discount. What does this mean? The more policies you bundle with one agency, the more likely you are to save money. This doesn't just go for putting together different types of insurance. You may get a multiple vehicle discount if you have more than one car.
What kinds of safety options does your car have? Knowing the details may save you some cash. Safety features such as airbags, anti-lock brakes, daytime running lights, rearview cameras and anti-theft systems may score you a lower rate. Make sure that you let your agent know about all of the safety features your car comes equipped with. Don't assume that they'll automatically know when you give the make and model of your car.
Low Mileage Driver
Are you one of those drivers who barely puts any miles on their car? Maybe you live close to your job, work from home, or tend to take public transportation for most of your trips. Most insurance companies offer a discount if you stay under a set number of miles per year. There is one caution here. Don't underestimate the number of miles you drive in a year just to qualify for the discount. It's likely that someone from your agency will contact you annually (or more) to verify that you still qualify for the discount.
Buying auto insurance is essential if you drive. Even though this is one expense you can't get around, you can cut the costs by talking to your agent and applying for discounts.
For more information and discount options, contact a local auto insurance, such as Ahlquist Insurance.Share