Car Insurance

There are quite a few discounts that can turn even the most expensive coverage into cheap car insurance. However, you still want the most coverage for your dollar; affordable auto insurance shouldn’t come at the sacrifice of your family’s protection. Here are a few common discounts which can help you save on your policies.  Good…

There are quite a few discounts that can turn even the most expensive coverage into cheap car insurance. However, you still want the most coverage for your dollar; affordable auto insurance shouldn’t come at the sacrifice of your family’s protection. Here are a few common discounts which can help you save on your policies. 

Good Driver Discount

One of the best ways to ensure affordable car insurance is by maintaining good driving habits. Keeping your record clear of tickets and traffic violations will add up to lower premiums. Many times, certification classes for defensive driving or taking an instructional course will also result in cheap car insurance, particularly for younger drivers. Your local DMV will have more specific information about what kinds of classes may make a difference in your insurance rates and where they are offered.

Changing Policies

Opting for less coverage is one of the easiest ways to guarantee cheap car insurance. Purchasing a basic liability coverage plan rather than a comprehensive plan will lower premiums immediately. However, it’s best to find a balance between cost and coverage.

Combining Policies

Families who own multiple vehicles and purchase all their insurance from a single provider will find their rates together are much lower than they were under separate policies. The other vehicles which may be eligible for a multi-vehicle discount include:

  • Cars
  • Motorcycles
  • RVs
  • ATVs
  • Boats

Additionally, if you carry any other insurance policies which are not related to vehicles, such as health or life insurance, your insurance company will most likely offer more affordable auto insurance if you transfer all policies to them. This is known as a multi-policy discount, and is a great way to get cheap car insurance.

Smart Vehicle Choice

Older cars will nearly always be easier to find cheap car insurance for than a newer car. The many safety features available on more recent vehicle models, such as automatic seat belts and anti-lock brakes, can also result in insurance discounts. Cars that are more likely to be involved in accidents or driven recklessly, however, will carry a higher premium than those cars that are considered safer or models, which are usually driven by low-risk drivers.

Other Common Discounts

There are many other discounts which commonly result in more affordable auto insurance as well. For older drivers, keeping a high credit score by paying all your bills on time can lower your premiums. For younger drivers, there may be a discount offered for those who maintain good grades. Oftentimes, there are special military rates for those who are in the armed forces. There may also be discounts given to members of other organizations and clubs; it’s important to let your insurance company know if you hold any memberships.

This list is just the tip of the iceberg as far as ideas on finding great deals on affordable insurance. The first place to start is by checking with your agent to find out what other avenues there may be to making sure you receive cheap car insurance premiums for yourself and your family.

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