In most states, drivers are required by law to have car insurance—and even if your state doesn’t mandate it, insurance is still a smart thing to have. Should you ever get into any kind of a collision, insurance can defray some of the cost. The downside, of course, is that you do have to pay those monthly insurance premiums—the cost of which can add up!
Fortunately, there are some practical ways to save money on your car insurance plan—and in this post, we’ll run down just a few quick strategies.
How to Save Money on Your Car Insurance
1. Shop around.
The best and simplest advice we can offer is not to accept the first quote you receive. Not all insurance carriers are created equal, and some may offer comparable coverage for a fraction of the price. It really does pay off to use Google to shop around and look at different plans.
2.Take a defensive driving class.
Yes, your high school Driver’s Ed days may be way in the past—but you can still sign up to take a defensive driving course, and in the process secure a sizable discount on your insurance premiums. Plus, you may actually learn some good techniques that make you a safer driver! If you’re not sure of where you can get defensive driving training, you can always reach out to a local insurance company for a suggestion.
3. Drive safely.
This one’s kind of a no-brainer, perhaps, but it’s always a good idea to slow down, obey the traffic laws, and be a more safety-minded motorist. That’s because every accident and every fender-bender is going to increase the cost of your premiums, while going for a long period of time with a clean driving record will actually help those premiums to come down.
4. Increase your deductible.
If you currently have auto insurance but feel like the premiums are too high, you can offset them by increasing your deductible—with the understanding that, if you are in an accident, the insurance won’t help you quite as much. Still, it may be worth talking with your insurance agent about it.
5. Pick the right vehicle.
Finally, note that the cost of your insurance will go up or down depending on the kind of car you drive. Rare vehicles, sports cars, and super-expensive models will all be costlier to insure. By contrast, a sensible used car—with modern safety features—will cost a lot less.
If you’re set on decreasing your insurance costs, and think a solid used car is the way to do it, we invite you to reach out to us today. Get My Auto is in the business of connecting buyers with reputable used car dealerships, and we’d love to help you find your next used vehicle here in the Orange County area.
Take the first step toward lower insurance payments; contact Get My Auto and ask us about finding you a great vehicle.