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How to get affordable auto insurance?
Its always a good idea to understand how insurers determine insurance rates and what factors are taken into considerations. Auto insurance is a very personal thing and rarely 2 people would pay the same amount even if they live in the same neighbourhood and drive the same car. Different insurers use different formulas as well, so don’t be surprised if some of the quotes you receive vary a lot. Nevertheless, read the following tips and you will definitely be able to reduce your premiums and make your auto insurance more affordable.
1. Treat your driving record the way you want insurance companies to treat you. Its common sense, but you will be surprised how many people disregard the importance of their driving record and are later amazed by how much their auto insurance cost. Reckless driving, speeding, driving without insurance, drink driving and causing an accident will not only land you in a lot of trouble immediately, but you will have to pay in the future too. In some cases the insurance companies will put you in the high risk drivers category and you may be even required to have SR22 insurance. Driving carefully and obeying the law is well worth it, especially when it comes to auto insurance.
2. You are what you drive. The type of vehicle you own plays a fundamental role when auto insurance rates are calculated. Of course, you are not expected to sell your car and buy a different one just to reduce your insurance, although some people have done that. Still, when you are shopping for a new car, do check the statistics. Is it a vehicle with high-theft or crash rate? Have there been any recent recalls on this make and model that may affect your insurance? Does it have all the necessary anti-theft and safety features? Some of these details may seem quite small, but they soon add up and may increase or reduce your insurance rate.
3. Driving less is actually more. There is an argument that the reason you have a car is to drive it. While this is true, if you think carefully you will realise that the less you drive it the better. First of all, less annual mileage means more affordable auto insurance. Secondly, driving your car only when you really have to will save you money on gas and servicing, as well. Lastly, walking a bit more will have a positive effect on your health and well being, and lets not forget the environment. So next time you need to go 2 blocks down to see a friend or pick something from the store, think twice before jumping in your car.
4. Combine your policies and insurers will love you. If you own more than one vehicle, why don’t you insure them all with the same company? You can even go one step further – most of the reputable companies offer life and home insurance too. You will save yourself a lot of hassle but dealing with only one company and you will also receive better rates, which will save you money.
5. Don’t be afraid to ask for discounts. Its surprising how many people can receive discounts if they only ask. Most insurers offer discounts to students with good grades, people who have taken defence driving classes, drivers who haven’t made any claims in the last 3 years and even to those who pay annually, not monthly. Make sure you receive every discount you are entitled to and you will definitely find more affordable auto insurance.
If all else fails, here is a little trick that helps 9 out of 10 people find better auto insurance. First, compare quotes from different companies online. Make note of the top offer including type of coverage and amount to pay. Secondly, ring a few local insurance agents. Give them the details of the best quote you got online and ask them if they can give you a better deal. Insurance agents get huge commissions and if you push them a bit, they will be prepared give up some of that commission just to win your business.
Compare quotes online and find affordable auto insurance today!