The law required that every car owner have car insurance. You have to take financial responsibly for owning and using your car. Car insurance is to protect you and other road users. Sometimes insurance quotes can be high. However, there are ways you can have a measure of reduction and get car insurance that you can afford.
Shop around and ask
The first traditional way to get a bargain for any product or service is to shop around. It is not different for car insurance. There are as many quotes as there are insurance agencies. Check online for quotes that fit your budget then call the company and ask for further discount. The agents are always willing to tell you what you can do to get further discount.
Categories of discounts
There are several categories of motorist that qualify for insurance discounts. Check through the list below to see whether you fall under any of them:
- Accident and Traffic violation free
If you have been driving for 3 years without any accident or traffic violation then you qualify for a reduction for safe driving. Taking a driving course might help you.
- Long time customer and multiple policies
If you have been with the same insurance company for some years then its time you ask them to reward your loyalty by reducing your rates. Most agencies have one form of long time customer reward or the other. You also get discounts if you have more than one vehicle covered by the agency or they are the ones handling your homeowners insurance.
- Car safety devices
Most new cars and recent models come with anti- lock brakes, anti- theft, airbags and other safety devices. Check your car and if you have any of these devices, you are eligible for auto insurance discount.
- Demography
College students and adult seniors (50- 55years) are also given some discount. If you are in college and you are over a hundred miles away from home, then ask for auto insurance discount.
- Low mileage
If your car is not getting much use and your yearly mileage is low then you qualify for discount.
Your budget
Go for the minimum coverage that you can afford to save you money. Taking on a higher deductible will also help to reduce your car insurance rate. A deductible is simply the money you put down in the event of an accident before the insurance company takes it up.
Good credit rating
One of the benefits of having a good credit rating is lower insurance premiums. Leverage on your credit rating and get more affordable car insurance.
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