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Insurance | 14.04.2014 - 19:41

Five Tips for Lowering Car Insurance Premiums

These five tips will help reduce your monthly insurance costs.

Car insurance is an important cost to remember while buying a car. If you aren't careful, premiums can skyrocket. Use these five tips to lower your monthly premium.


1 Research the Car

While shopping for cars, research insurance quotes. Certain safety features such as anti-lock brakes, anti-theft systesm, and tire-pressure monitoring systems help to lower car insurance premiums. The year and price of the car can also affect the cost of insurance.


2 Higher Deductible

Agreeing to pay a higher deductible means you agree to take on more of the burden if you actually get into an accident. If you have a clean driving record and are in a financial situations in which you can take on more financial responsibility. If you never get in an accident, you end up paying less for your insurance.


3 Insure several things at once

Insurance companies reward loyalty. If you have multiple vehicles to insure, insure them all with the same company. A lot of times, companies offer a greater discount the more items you insure with them. If your company does homeowner's or renter's insurance, buy this from them as well.


4 Defensive Driving Classes

You can find a class near you or online. For example, www.alfadrivingschool.com offers a DUI School in Atlanta online. Many insurance companies offer a discount for taking these courses. Also utilizing these techniques decreases your chance of accident. Safe driver discounts are also popular with insurance companies.


5 Drive Less

One of the questions insurance companies ask is how many miles you drive a year. The smaller the number, the less your premium will be. If public transit is an option in your area, use it as often as possible. It is cheaper, you save on gas, it is better for the environment, and you save on car insurance!


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