Although necessary, nobody wants to pay for car insurance. It’s one of those things that is mandatory and no fun to have, until the time comes when you actually need it. But succumbing to a high bill each month does not have to become the norm. There are a plethora of ways to receive discount auto insurance today.
The bottom line is the more you drive the more at risk you are for getting in an accident or receiving a speeding ticket. Therefore, insurance companies often offer discounts to those who drive less than 7500 miles a year. Whether that entails taking public transportation to work, carpooling or finding a job close to home, just know that low miles equals low payments.
Insurance companies like to insure those who are safe and out of harm’s way. By installing safety features to your vehicle, there is less of a chance that your insurer will have to come to the rescue. Therefore, consider installing car alarms, airbags and any other safety features that will better your vehicle.
A lot of people who have experienced a drunk driving ticket or a flurry of speeding tickets have had to take a driving class of some sort. But did you know voluntarily taking driving courses can reduce your overall cost as well? Discount auto insurance is available for those who opt to take a defensive-driving course or some other kind of course that enhances your education of the road.
If you are a student, don’t necessarily assume you will have to pay hundreds of dollars a month because of the lack of experience. There are a lot of companies that will offer discounts to students who show proof of solid grades. This does vary but typically is around a 3.0 or a certain number of A’s and B’s on a report card.
If you have an older vehicle, it may be time to throw in the towel and drop collision coverage. Claims are limited to the book value thus making it pointless to spend a fortune on collision coverage knowing you won’t get much for any vehicle older than seven years. Once the annual premium reaches 10 percent of your car’s value, collision coverage should be dropped.
The final tip to help you find discount auto insurance is to simply shop around. The internet is flooded with various companies and insurers waiting to take you under their wing. By jumping from site to site, you can quickly identify what companies offer what plans while seeing just what kind of rates and discounts they have available.