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5 Easy Steps To Lower Auto Insurance

Over the last half-decade, you’ve seen commercial after commercial advertising ways to lower your car insurance and auto insurance companies seem to be offering up discounts to anyone that wants them.

The promises made in these commercials aren’t exactly false. Believe it or not, the major insurance carriers are actually telling the truth in that they’ll help you save a few dollars. However, what’s a few dollars when you’re already paying through the roof on your car insurance bill each month?

What these borderline annoying yet somehow amusing commercials fail to tell you is that there are things that you can do without the help of a talking animal or former NFL MVP to save big money on your monthly bill.

By making the following lifestyle changes, you reduce your total car insurance bill and fatten your wallet with some extra spending money each month:

  1. Get a Reliable Car That Doesn’t Scream for Attention

Flashy Car

Compare car insurance quotes and forego a flashy car to save on car insurance.

When it comes time for you to purchase your next car, skip over the fast and furious, and take a long, hard look at a reliable car instead. That reliable, yet possibly somewhat boring car may not catch a glance from the opposite sex, but the extra zeros in your bank account from your car insurance savings sure will.

  1. Stop Getting Pulled Over and Avoid Accidents Like the Plague


Okay, so not everybody can afford to just go out and buy a reliable car tomorrow. However, there is still plenty you can do to significantly reduce your car insurance rates.

It may be stating the obvious, but you’re on the road, drive a little more carefully. Avoid falling victim to speed traps by, dare I say it, driving closer to the speed limit. Those speeding tickets amount to fines, potential points, and an almost guaranteed spike to your car insurance rates.

Need I say anything about accidents? I remember a good friend of mine from college showing off his insurance check after he had totaled his car in an accident. He wasn’t just happy that his car was wrecked – he was thrilled. That is, until he saw how much more he had to pay in insurance premiums when his policy was renewed.

To put it bluntly: the safer you drive, the more you will save on car insurance. After all, you can only take defensive driving so many times!

  1. Improve Your Credit Score

Seriously, what doesn’t your credit score impact now-a-days? From mortgage rates to determining whether or not you get the job you want, your credit score can influence just about everything and anything in your life now and in the future.

When it comes to car insurance, your credit score plays a major factor in the amount you’ll pay each month. In fact, insurance companies like State Farm, Allstate, Travelers, and Progressive all use your credit score when calculating your rate. That means that those with higher credit scores typically get better rates and save more on their auto insurance.

There’s also the fact that those with better credit scores tend to be involved in few accidents. The numbers don’t lie.

  1. Drive Less Frequently

The more you drive, the greater your chance is of being involved in an accident. When determining your rate, insurance companies take into consideration the number of miles you drive. Naturally, those that drive less will pay a reduced rate compared to those that seem to live on the road.

While it may not be possible to change jobs, or even bike to work, you could start driving less by consolidating the number of additional trips you take by car. By combining a few errands into one trip, you’ll drive less miles and use less gas. That equates to more savings across the board!

  1. Shop Around

As I stated earlier, there is some truth behind the advertising campaigns of these insurance companies. If you’re already driving a reliable car, have great credit, drive minimal miles, and are ticket and accident-free, you could still actually save a little more by shopping around. One way is to enter your five digit zip at the top of the page.

When it comes time for you to renew your auto insurance policy, you’ll likely see an increase in your premium no matter how amazing of a driver you are. Most insurance companies take advantage of the fact that customers would rather not shop for the lowest rate year-after-year. By shopping around and changing insurance companies at renewal time, you could actually save a decent chunk of change.

That’s right – it actually pays not to be loyal! Who would’ve thought?

Tired of overpaying for car insurance? You should be. While the major insurance firms may all be telling the truth about the savings you could get by shopping for rates, the truly big savings come from lifestyle choices that you can make on your own.

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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