Incredible Ways to Get Affordable Car Insurance

Car insurance is necessary, but it doesn’t have to be expensive. You can save money on car insurance without sacrificing coverage with research and proactive steps.

Some of the most effective strategies for saving on car insurance include raising your deductible, bundling policies, and driving safely. 

Get a Car Insurance Quote

Every driver needs car insurance, which doesn’t have to be expensive. You can do many things to reduce your rate, including shopping around and being aware of the factors influencing your premium.

These factors include demographics like your age, gender, and marital status. They also include your driving history and where you live. Other considerations are the type of vehicle you drive and your occupation.

You can save even more by reducing or eliminating unnecessary coverage, such as roadside assistance and car rental coverage. Increasing your deductible can also lower your rate, and programs offer discounts based on how much you drive.

Shop Around

Car insurance is necessary, but it doesn’t have to be expensive. Many drivers, however, become complacent with their carriers and stick with them year after year without shopping around—one-third of policyholders who regularly shop for a better deal save an average of $356 annually.

Policy shopping every year’s a good idea, as your life circumstances and driving record can affect your rates. Learn more about this at www.carinsurancecheap.net. 

For instance, moving to a safer neighborhood can lower your rate, while traffic violations and even a DUI can drive up costs. Also, consider bundling your policies—car, home, and pet—with the same provider to receive a discount.

Drive Safely

Getting behind the wheel is just a part of everyday life for most of us. But it’s also one of the most dangerous things we do.

Even the most careful drivers can run into trouble on the road, especially when driving at night or in poor weather conditions. Keeping yourself safe can help you save money on car insurance rates.

For example, keeping a two-second cushion between your vehicle and the one in front of you can prevent accidents caused by tailgating. And when it comes to bad weather, double that distance. A collision between two passenger vehicles can result in a fender bender, but one with a large truck can have more severe consequences.

Get a Telematics Device

If you’re a safe driver, having a telematics device in your car can help you save money on your insurance rate. The gadgets can remind drivers to heed speed limits, avoid harsh braking, and more.

The devices can range from a fixed plug-in to a mobile app. Many offer specific driving feedback to help improve habits, like beeping when a driver takes a sharp turn or is driving at night.

Ask for Discounts

Car insurance is necessary, but it doesn’t have to be expensive. With a little effort, you can find and take advantage of discounts that could save you hundreds a year.

For example, bundling your auto policy with other policies (like home or life) may earn you a discount with some providers. Safety features in your vehicle can also lower your rate, as can taking a driving course or being accident-free for several years.

You should also ask your provider if you qualify for usage-based discounts or telematics programs that reward safe driving habits by lowering your premium based on how much you drive. Lastly, many carriers offer a paid-in-full discount for drivers who pay their premiums upfront instead of in monthly installments.

Drive Less

Car insurance is necessary, but it doesn’t have to be expensive. Whether parking your vehicle in a garage, taking a defensive driving class, or buying a safe, used car, there are many ways to reduce those monthly premiums.

Some companies offer low-mileage discounts if you drive less than the average 13,500 miles a year. Others allow you to track your driving habits with a telematics program using an app or plug-in device. These programs can save you as much as 30%, and it’s a great way to become a safer driver. You could also consider working from home or riding public transit to lower your mileage even more.