5 Things You can do Today to Lower the Cost of Your Car InsurancePaying for car insurance is something virtually everyone who drives a car in the United States is forced to do. While there are certain exceptions, buying automobile insurance is virtually universally required of all drivers.
That doesn't mean we have to enjoy paying for car insurance and it certainly doesn't mean that we are willing to pay even a penny more for our insurance than is absolutely necessary.
If your vehicle is being financed then it is probable that your lender has certain minimum requirements for your insurance which are undoubtedly higher than the minimum insurance that your state requires for driving on a public roadway. While it is perfectly reasonable for your lender to require higher minimums in your insurance coverage than does your state, remember that your lender cannot tell you which insurance company you must buy your policy from – although many lenders will certainly do their best to influence your decision.
The fact that you have a choice of which insurance company to buy your policy from guarantees that you have the opportunity to save money on your car insurance.
Following are 5 steps that most car insurance buyers can easily take and which should result in lower car insurance premiums month after month. All 5 steps for reducing automobile insurance costs can be combined for even greater savings, but if even just one of the following ideas applies to your insurance situation you should still save hundreds if not thousands of dollars over the next several driving years.
Well, there are 5 simple things you can do to lower your automobile insurance costs each month. Of course there are a lot more things you can do, such as not getting speeding tickets and not being convicted of a DUI or DWI, if you're under 25 you can stay in school and maintain at least a 3.0 grade average for a Good Student Discount, if you're over 55 you can take a special driver's refresher course, you can pay premiums yearly rather than monthly, if you're married you can save money by making the wife the primary driver and the husband a secondary driver, if one of your credit cards offers a towing service or if you belong to AAA towing then don't pay for towing on your auto policy, and don't make unnecessary small claims – if you can go for only 6 months without making a claim some insurance companies will give you a price break on your policy.
Once you have done everything you can to lower your monthly premium then you should get online and compare the price of your low-cost policy at as many different insurance companies as you possibly can in an effort to lower your monthly bill even more.
Don't stop after making your price comparisons on just one website. No one website compares all of the different insurance companies operating in your state. Take the extra time and make your comparisons on at least 3 different websites – then grab the lowest price you find!
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Is It Time to Reconsider Your Automotive Insurance Policy?
Americans are a busy group of people, and once we take care of something, such as purchasing automotive insurance, we tend to forget about it and move on to the next task. However, purchasing an automotive insurance policy only to neglect it could end up costing you more money in the long run, or even leaving you unprotected. There are times in our lives when we need to stop and evaluate our current automotive insurance policies.
Reconsider your automotive insurance policy when you get married. When two people get married, they can get an automotive insurance policy together, thus spending less money and possibly even getting additional discounts.
Reconsider your automotive insurance policy if you purchase a new car. If you’ve borrowed money from a lender to purchase your new car, chances are your lender will require you to purchase full coverage insurance. Even if your lender doesn’t, your state most likely will. If your automotive insurance policy only covers liability because you own one of your cars, or the car you traded in, you need to increase the coverage of your automotive insurance policy.
Reconsider your automotive insurance policy if you relocate. If you currently live in a quaint little country town that sees very little wrongdoing aside from the occasional cow-tipping, you probably don’t have a very high amount of automotive insurance. However, if you’re moving to a larger city with a higher crime rate, your car will be more at risk and you should make sure you add the extra coverage.
Reconsider your automotive insurance policy if you’re getting on in years. Most insurance companies offer discounts to policyholders who are a certain age – usually 55 years old. If this is you, give your agent a call and find out about discounts you may qualify for.
Remember, certain tasks are worth completing and forgetting. Taking out the trash is one of them; purchasing automotive insurance is not.
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