Get Auto Insurance For Less

Answer 1

Automobile insurance is a necessary evil. If you have a car you have car insurance. But that does not mean you have to throw away your hard earned money. There are a few different ways to save money on your auto insurance payment.

Six Tips To Lower Your Auto Insurance

• Completion of defensive driver courses can sometimes lower your insurance payment
• Safe driver discounts are available to motorists who have not had an accident within a certain time frame.
• Discounts are available through professional associations, AAA, and your credit card company, etc. Check with your employer to see if there are any group insurance rates available.
• You could possibly get a better rate from another insurance company than you could from your existing insurer. If it makes economic sense shop around for a new insurance company.
• Review your existing policy for potential savings.

Make sure you take advantage of all the discounts you are eligible for. Keep your driving record clean and make sure it is current. Tell your insurance provider you would like to assume more risk with your auto insurance coverage. Drive a low profile automobile that is equipped with specific money-saving safety features like airbags. Your insurance company can provide more information about which models qualify for these savings.

First, let's take a look at some of the discounts you may be eligible for. Auto insurance company discounts fall into a number of categories such as:

• Low-risk occupation discount
• Professional organization discounts
• Combined coverage discount
• Discounts for approved safety features
• More risk assumed by driver
• Senior citizen discount programs

Combined and Renewal Auto Insurance Discounts

A significant source of potential savings is to insure your automobiles with the same insurance company that provides coverage for your home. Make certain to ask if they offer combined insurance coverage. Combined coverage will make your homeowner's policy cheaper while lowering your monthly car insurance payments.

It is also important to make certain you are receiving a renewal discount available from most car insurance companies. A renewal discount is a discount offered to customers who have been with the same insurance company for an extended period of time. If you fit this profile and have had insurance with a company for several years, without getting into any accidents, your insurance company may be willing to offer you a renewal discount.