Change the type of car you drive
Change your
lifestyle,
Change your
Auto insurance Company,
Change your Auto insurance
policy.
I don't think you want to turn the way you live upside down just to save a few dollars on Auto
insurance. We wouldn't. There are some small things you can do to save yourself
money.
Drive less - drive safely. Auto Insurance companies offer safe driver incentives,
that can mean an Auto insurance discount. Drivers with no bad points in the last three
years qualify for lower Auto insurance premiums.
There's good reason for this. For every speeding ticket you get within one
year, your chances of being at fault in an accident rise
dramatically. (We're talking almost 100% per ticket.) So slow down!
The less you drive the less you pay. If you can carpool or use public transit to
and from work, your insurance rate will go down. Lower the mileage you drive and you'll
lower your insurance premium.
If you have teenagers
who drive, it will be harder to qualify for lower insurance rates. Teenage drivers who are
good students, and have safe driving courses or who drive older model cars, may earn you an
Auto insurance discount.
The kind of car you drive
can have an effect on your Auto insurance costs. High profile cars (High performance
sporty coupes and popular cars preferred by thieves, like Honda Accords) will earn higher
premiums than lower profile sedans and station wagons.
New and expensive cars mean higher collision and comprehensive premiums. Driving an older
model can lower your Auto insurance premium quite a bit.
Another way to earn a discounted Auto insurance rate is to install safety devices on your
car. Air bags, automatic seatbelts, and anti-lock breaks will all improve your rate on
medical and un/under-insured motorist coverage. Car alarms and locator devices can reduce
the cost of comprehensive coverage.
Answer Financial offer discount auto insurance premiums if you have one (or more)
anti-theft devices. When you fill out the quote form, make sure you mention this, to see
how much you can save.
Choosing
the right amount of coverage in the right areas and raising deductibles, increasing
liability limits, and eliminating redundant policies are ways to make your auto insurance
dollar go farther.
Changing your coverage amounts isn't the only way to save money on your auto insurance.
Insuring your car with the same company that you have your homeowners, health insurance, life
insurance or other types of coverage with can earn you lower premiums.Some companies will
discount auto insurance if you pay your premium electronically.
Shopping
around several auto insurance companies might be the best way to save on auto insurance.
Quotes for the same coverage can vary widely from insurance company to insurance company,
and getting as many auto & car insurance quotes from as many companies before you make
a decision can be a real money saver.
Shopping for the lowest priced car insurance online is great way to get
multiple quotes without a lot of hassle or commitment. Answer Financial will get you
several low insurance quotes with one easy application.
And even if you don't decide to go with any of them, you'll have some figures to use
comparison shopping with your hometown auto insurance agent.
Next: Find out your
state's minimum coverage requirements.