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How To Save Big Bucks On Your Car Insurance So You Can Have More Money To Spend On Other Things
1. Keep your driving record clean.
If you have a good driving record, you will pay a lower premium. Here are some tips to help you drive more defensively:
* Always fasten your seat belt.
* Drive at or near the speed limit.
* Never drink and drive.
* Avoid driving at night and in bad weather, if possible.
* Use your horn to get the attention of pedestrians.
* Use your horn and lights to attract the attention of other drivers.
* Pay attention when you hear the horns of other drivers.
* Confirm with a visual check and use your mirrors and directional signals for all lane changes.
* Use four-way turn signals to warn drivers behind of slowed or blocked traffic to avoid being hit from behind.
* Beware of large trucks, buses and vehicles making wide turns.
* Watch for cars pulling trailers.
* Beware of drivers who stop or turn without signaling.
* Watch out for pedestrians in school zones or playgrounds.
* Watch for cars rushing through intersections at the end of a red light.
* Watch out for drivers who tailgate. If possible, stop and let them pass.
* Use caution when approaching and leaving four-way stops and unmarked intersections.
* Look behind you before exiting a parking space.
* Avoid using the cell phone while driving. If you must use it, pull yourself to the side of the road before you do.
2. Choose the right vehicle.
When buying a vehicle, look for one with a good claims record. Vehicles that are less likely to be stolen or have lower than average accident rates will cost less to insure. Sports vehicles or luxury models tend to have higher than average insurance premiums. Also, since four-door vehicle models are safer than two-door ones, premiums are generally lower.
To discover the ten most stolen vehicles in America, visit CarInsuranceIQ.com.
3. Increase your deductibles.
You can save a lot of money by taking a little more risk yourself. Raising your car deductibles from $100 to $500 can save you 10-20%. Remember that the lower the deductibles, the higher your premium.
If your insurance company offers a deductible of $1,000, you may even consider raising your current deductible to that amount to save even more money. You can then deposit this amount into a savings account and use it as your own insurance fund. And if you don’t file a claim for several years, you might have enough money in that savings account to pay your own auto claims.
4. Cut covers on older vehicles.
If you own an older vehicle, consider reducing collision risk and getting comprehensive coverages. If the book value of your vehicle is very low, you may not even need collision or comprehensive coverage. Your vehicle may have depreciated so much in value that it’s not worth paying the extra premiums. Remember that the maximum your insurance company will pay is the book value of your vehicle, or its “fair market value”.
5. Keep your vehicle as long as you can.
When you’ve driven more than 100,000 miles on your vehicle, you pay lower premiums because its book value has dropped significantly.
6. Take a driving course.
Some insurance companies offer discounts of 5% to 10% to drivers who have taken a defensive driving course at an approved driving school. So if you, your spouse or a young driver have taken a driving course, ask your insurance company for a discount.
7. Buying more than one insurance policy from the same insurance company.
You may qualify for a multi-vehicle discount if you purchase more than one auto insurance policy from the same company. A multi-policy discount may also be available if you purchase two or more different insurance policies from the same company, such as auto, home and life policies.
8. Ask for all the discounts to which you are entitled.
Ask your insurance company if you qualify for any of these discounts:
* Discount on anti-theft systems. If your vehicle is equipped with a car alarm, ignition disable device or other anti-theft systems, you may qualify for a discount as these devices make your vehicle more difficult to steal.
* Discount on air bags.
* Discount on anti-lock braking system.
* Automatic reset on seat belt.
* Good student and out-of-town discounts. If your teenage driver son or daughter gets good marks, a 3.0 average or better, ask your insurance company for a discount. Plus, if your child is attending college more than 100 miles from home, you may be able to save on the “young driver premium” if they don’t have a covered vehicle at school.
* Mature driver discount. If you are between the ages of 50 and 65, you may be eligible for a senior driver discount.
* Limited mileage discount. If you drive less than 7,500 miles per year, you may qualify for a limited mileage discount.
* Carpooling discount. If you carpool, you may be eligible for a 5% to 10% discount.
*AARP membership and other age-related discounts.
* Discounts linked to the profession.
If you follow the suggestions above, you could save hundreds of dollars on your car insurance premiums each year. So please use some immediately. For important car insurance facts that you absolutely need to know before getting a car insurance quote or buying a car insurance policy, visit CarInsuranceIQ.com.
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