5 Ways To Lower Car Insurance Costs
Check our list with 5 efficient ways to lower car insurance costs. Also, visit our website and get auto insurance online quotes for free! Here’s the list:
- Park your car in a garage. Parking a car in a garage has multiple advantages. Your car will be placed in a safe location, where you can monitor it easily. This will make car theft less probable to happen. Furthermore, it will protect your car against the damaging effects of weather and from spontaneous vandalism acts, which usually happen during riots. Insurance companies provide better premiums to those who keep their cars in a garage.
- Keep a good credit score. A good credit score means that you are more likely to pay the premiums before the deadline. Companies analyze this factor in order to evaluate the risk of any potential customer. Those with excellent credit scores will get cheaper premiums. Drivers with poor credit score should improve it. Get a short-term loan from a credit union and make a deposit there, use balance-transfer credit cards and talk with a financial expert. It is preferable to use a balance transfer credit card with 0 APR and long introductory period.
- Graduate an approved defensive driving course. Just like parking your car in a garage, graduating a defensive course has multiple benefits. And we are not talking only about car insurance. You will become a better driver and will be able to identify potential traffic dangers and learn how to avoid them. Defensive driving skills are a must nowadays when we have so many cars on the roads. Getting a graduation certificate from an approved course will help you save around 10-15% on car insurance for a limited time, usually 1-3 years.
- Work with a competent insurance agent. Working with a good agent will help you in the long term. Establishing a good professional relationship will make you be informed about recent insurance changes, best insurance offers and new ways to save money. A friendly agent will tell you more about available discounts and their requirements. He can also remind you when it’s time to apply for safe-driver discounts or loyalty discounts. He will also provide more visibility during a claim process and will help you get proper legal defense, should it be the case.
- Shop around using car insurance quotes online. It is recommended to review the insurance market at least 2-3 times a year and see how prices fluctuate. When renewal time approaches, check the market again and see if you can find a better deal. Online quotes will help drivers scan the local market for affordable coverage. Furthermore, online quotes will help drivers get discounts, customize coverage and save money. Quotes will allow drivers to plan the budget better. Plus, online quotes are free and they do not force the user to buy anything.
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