Insurance companies also compare your home address with your employer's address to see how many miles you are driving in your daily commute. The farther away your employer is, the more time you spend on the road and thus the higher chance you are going to get in an accident on any given weekday. A big distance between your home and your employer can lead to much higher insurance premiums! Consider taking public transportation to work, or carpooling with a co-worker. Less hours spent on the road means less chances to get into an accident and lower insurance rates overall.
Installing anti-theft devices on your car is a cheap, inexpensive way to get lower car insurance quotes. Since they lower the chance of your vehicle being successfully stolen, it can lower the rate you pay for comprehensive insurance considerably. Similarly, etching the Vehicle Identification Number (VIN) on the window also lowers your insurance premiums, since it is more likely the car will be recovered if it is stolen. VIN etching kits can be purchased for under thirty dollars, so it's an inexpensive way to lower your insurance premium. Upgrading your car to a newer model with enhanced safety features can also lower your car insurance quotes. Passenger-side airbags and automatic seat belts, for example, can lower your personal injury protection rates, since in the event of an accident it is less likely you and your passengers will be seriously injured. Anti-lock brake systems make it less likely that you will be in a crash, so it can get you a discount on bodily injury and property damage insurance.
If you have bad credit, you are likely to see higher premiums from auto insurers. However, there are a number of auto insurance companies who specialize in insuring drivers with bad credit. These companies do not do credit checks when calculating your premium rates, and so if you have bad credit you may get lower car insurance quotes from these companies.
Completing a driving school course can lower the car insurance quotes you get from insurance companies, as drivers who have completed driving school courses have been shown to get into accidents less often than those who have not. Likewise, safe driving habits will lower your rates over time – drivers who go longer periods of time without accidents will often get their premiums lowered to reward them. On the other hand, drivers who get into accidents frequently will see their premiums shoot through the roof.
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