How is your driving record lately? Do you have a large amount of speeding tickets or maybe a few car accidents on your driving record? High risk automobile insurance generally means higher car insurance premiums. There are a few things that you can do to keep your premiums lower and still enjoy great coverage.
Compare several companies and get a car insurance quote to see what is obtainable to you. There are many ways to get this done online. You can request quotes to be sent to you via email or fax. Most major insurance companies provide this option online. Get quotes from each company to see what coverage is the best fit for you.
Take driving school to improve your driving record and reduce your premium. You can get as much as a 10 to 20 percent discount from many insurance companies just by taking a safety driving course. Your old driving record will be checked when you first apply for insurance and you could OTHERWISE receive a higher premium. So, start taking courses now to get the lowest price.
Make sure that you shop around and don’t choose the first insurance policy that you find. Insurance prices can vary greatly from one company to another. It does pay to get quotes from several companies before you make a decision.
If you have good student driver status, you can often get a discount of about 5 percent. However, you will need to provide proof of your grades from the school you attend.
Some companies offer discounts for people that are over 55 years of age who are retired or for people who have a good driving record and a good credit score. Make sure that you inquire about these discounts. They can often vary from company to company.
TryIncreasing your deductible. This can result in a large savings on your premium. However, you need to make sure that you have enough money to pay the deductible in the event of an accident.
Another way to save money is to eliminate collision and comprehensive coverage on older cars. If the car is worth less than 10 times the premium, you’ll save about half the cost of paying for coverage. This should be your best choice for an older car. Try to insure older cars with liability coverage only to save more money.
Finally, sports car owners, you may want to consider dropping collision and comprehensive coverage on your car. Dropping those coverages will save you a substantial amount of money. However, you will still want to get at least the minimum amount of coverage required by state law.
Compare polices to make sure that you get the right coverage for your situation. It may take a little time, but it could save you a lot of money.
Getting affordable automobile insurance is not hard, but you need to compare plans and policies. Don’t be afraid to ask questions. You are the customer and you have the right to know what you are leasing or paying for. You deserve to have the best coverage and you deserve to save as much money as possible while doing so.