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Decrease How Much You Pay for Car Insurance with This How-to Guide

Are you tired of paying too much for car insurance? How would you like to cut back on how much you pay for carlowering expenses for insurance insurance without reducing your coverage?

Even if you’re satisfied with your current auto insurance policy, there’s a good chance that you’re paying more than you have to. From knowing what discounts are available to you to comparing your current rate with those of other providers, there are countless ways to lower your monthly bill and save.

So what do you have to do to start saving? With this how-to guide, you’ll learn some helpful hints and strategies to lower your bill while maximizing your coverage.

Compare car insurance rates at least once per year

The easiest way to lower your car insurance is to compare rates and switch providers. While changing companies could mean as much as thirty percent in savings, many people fail to take advantage of this easy way to reduce rates. Whether it is customer loyalty, or not wanting to take the time out to communicate with multiple insurance companies, there are a number of reasons why so many people opt not to compare rates.

Failing to compare rates, however, could lead to you paying far more for your car insurance than you would be with a competitor.

Fortunately, AutoInsureSavings offers you a quick way to compare quotes without any kind of obligation. All you need to do is enter your zip code at the top of the page, and then answer a few quick questions. We’ll then provide you with automobile insurance rates from all of the leading companies in your area to help you make an informed choice.

Forget about all the commercials you see promising savings on your monthly auto insurance bill. While their promises may be legitimate, they still might not be the best deal for your needs. With our advanced quote comparison tool, you’ll be able to compare prices without needing to pick up the phone, saving you time and money. That’s why using our advance quote comparison tool is the best way to saving.

Inquire about discounts

Regardless of your current auto insurance provider, there are an abundance of discounts that you may qualify for. However, some companies won’t actually offer the discounts unless you specifically ask for ways to save.

The next time you contact your car insurance company, ask about the kind of discounts they offer, and what you have to do to qualify for them. Some potential discounts that you might be able to receive include the following:

  • Safe driver discounts

  • Good student discounts

  • Auto and Home combination discounts

  • Employer discounts

  • Membership discounts (such as AAA)

  • Early payment discounts

Clean up your driving record

Your driving record is one of the primary factors taken into account by car insurance providers when determining how much you’ll pay for your car insurance. If you have a history of speeding tickets, or a few DUI incidents on your record, you are probably paying far more than you’d like. In such a situation, the best thing you can do to reduce your monthly auto insurance premium is to clean up your driving record.

trying to saveWatch your speed, and don’t get behind the wheel after even a drink or two. By driving safe, you’ll keep yourself out of harm’s way, and those previous infractions will fall off your record soon enough. At that point, you’ll be able to qualify for a safe driver discount, and you’ll most likely be able to change from a high-risk to a standard policy.

Take traffic safety classes

Whether you just got a ticket, or you simply want to pay less for auto insurance, traffic safety classes are a great option. These courses, such as defensive driving, typically involve sitting in class for a day. You’ll learn various tactics you can use on the road to be a better, and more defensive driver. Not only will you improve your ability to avoid things like accidents (and thus keeping your insurance down), but you’re auto insurance provider will most likely reward you with a 5-10% discount on your monthly rate. It doesn’t get any easier to save than that!

Replace your car

Your dream of owning a luxury car or sports car could easily become your car insurance nightmare. Fancy and fast cars cost more to repair, and are more likely to get you notice by cops looking for speeders. Those two factors alone make you riskier to insure if you’re driving one of those two types of vehicles. As a result, you’ll be paying more for your car insurance.

If you want to lower how much you pay for car insurance, it may be time to trade in that Mercedes for Honda or Subaru. Of course, downgrading your car won’t turn nearly as many heads as your luxury or sports car did, but the added savings in your bank account are sure to make up for it!

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles 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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