123-Insurance

How to Lower Your Auto Insurance Premiums

• Avoid accidents. An experience record that shows several years of accident-free driving should be rewarded with lower premium payments.
• Drive the speed limit. Too many moving violations will cause your premiums to increase.
• Increase your deductible. If you increase your deductible, you may lower your premium payment. Just be sure you can afford to pay the deductible if you are ever involved in an accident.
• If you drive an older car that is not exactly a classic, you should find out how much it is worth. If it is worth less than your deductible, you might consider reducing your collision and comprehensive coverage (which should lower your premium payment). Remember to always keep your liability coverage as high as you can afford.
• Ask about discounts. Some insurance companies will offer multiple policy discounts, so consider getting your home owners or renters insurance from the same insurance company as your car insurance. Check with your insurance company.
• Cut down your drive time. Long commutes and high mileage vacation driving can cause you to pay more for auto insurance. The number of miles you drive your car in a year can also affect your premium payments. Insurance companies sometimes give discounts to drivers that drive under a specified amount of miles during a year. Most often, insurance companies will want you to supply a reasonable estimate of how many miles you plan to drive during the year. It is important to give as accurate an estimate as possible to avoid claim problems down the road. If your driving habits change (a new job requires a longer commute, for example), inform your insurance agent as soon as possible.
• Switch your auto insurance to another insurance company - switching your auto insurance policy could save you up to 40% per year on your auto insurance premiums.
• Get policy quotes from several different companies so that you can compare coverage and auto insurance costs.

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