Discount Car Insurance Tips
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UPDATED: Feb 29, 2012
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Ways to Get Discount Car Insurance Rates
Insurance rates rise just about as fast as the price of gas, leaving many people searching for ways to save money on their car insurance. It may take some research and a few phone cars, but discount car insurance is available for many drivers. There are ways to cut costs on discount car insurance.
Pay a Higher Deductible
Paying a higher deductible on comprehensive/collision coverage on your car can reduce your annual premium by 10 to 15 percent. Make sure your financial situation allows for a higher deductible before opting to pay it.
Method of Payment
Many insurance companies give a discount for paying your premium in one lump sum rather than monthly. If your finances allow for it, consider paying an annual premium on your discount car insurance, or see if the insurance company offers a discount for electronic direct debit payment from your checking account.
Add Safety Features
Buying a new vehicle equipped with safety features such as an alarm, automatic seat belts, side air bags, anti-lock brakes or any other anti-theft devices can save you money on discount car insurance. You can also add safety features to a new used vehicle in good condition to save you money on insurance.
Maintain Good Credit
Having a good credit history can help you get discount car insurance as well as a lower premium. There have been studies that show a correlation between credit history and driving record. Persons with bad credit are considered less stable and a higher risk, while persons with good credit are considered the opposite.
Driving safely and defensively within speed limits, as well as avoiding driving under the influence of alcohol or controlled substances, is your best bet at getting discount car insurance rates. Driving carefully not only saves you money on discount car insurance, it also saves lives.
Most companies offer discount car insurance for drivers who take defensive driving courses, as well as for full-time students who maintain a B average.
Having a longer driving record can result in lower premiums, but so can driving less. Car insurance companies consider you less likely to have an accident if you spend less time behind the wheel. You can get discount car insurance from some companies if you stay below a certain mileage each year.
A lot of car insurance companies offer discounts when you insure multiple vehicles and/or switch over your other policies, such as your homeowners insurance, to their company.
Location, Location, Location
Where you live and more specifically where you park your car will influence how much of a premium you will pay. City dwellers may pay more for car insurance than their rural counterparts because of the higher risk of theft and increased traffic. If you live in the city, look into leasing garage space if you want to get a discount on your insurance.
Now that you have some ideas for getting discount auto insurance, enter your zip code for some free, non-obligatory quotes that can be in your inbox in less than five minutes.