September 19, 2017
 
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Lower Your Car Insurance Premiums

Insurance costs of any kind are something we would all like to reduce, especially if they’re mandated. Until you actually use it and need to submit a claim, it seems like we’re just giving our money away and not really getting anything in return. For auto insurance, in particular, rates can fluctuate significantly because there are so many variables that go into calculating your premium. A lower premium obviously translates into saving money. Here are some things that you can do:

 

  • Shop around—often times the same exact coverage on the same vehicle can be less at a different insurance company.
  • Consider increasing your deductible.
  • Reduce coverage on an older vehicle—consider dropping collision and /or comprehensive, depending on what the car is worth.
  • Maintain a good credit report—a good credit score can mean lower rates. If it needs improvement, focus on paying your bills on time and lowering your overall debt.
  • See if you qualify for a low mileage discount, especially if you’ve changed jobs recently and have reduced your commute miles.
  • Don’t use your car for work related driving, if possible.
  • Slow down! and keep your driving record clean. Getting tickets increases your rates for a couple of years.
  • Before purchasing a new car, compare insurance costs. A smaller car, a less expensive car, and one with a good safety record are typically less expensive to insure than a sports car. They’re called low-profile cars.
  • Try to qualify for the multi-policy discount—purchase other auto or homeowners insurance from the same company.
  • Discounts may be available if the car is equipped with anti-lock brakes, airbags and car alarms or tracking systems.
  • If you have health insurance or workman’s compensation benefits, let your agent know—the benefits could be coordinated and save you money.

If you find you are already behind in your car payments or struggling with credit card debt contact a credit counseling company today

 

 

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