Tried and True Ways to Save
- Author Marcus Stalder
- Published January 22, 2011
- Word count 525
A flawless driving record and Everest-like credit scores are helpful when it comes to saving money on car insurance, but not absolutely necessary. There are tons of tips out there that promise big savings - and most have some truth to them. These are the most successful methods for saving big on a policy.
Maximize coverage, minimize cost.
Safety First
- Drive Safely and Lawfully
This is the biggest part of your insurance payments. If you've made mistakes in the past, just make sure you are good going forward. Consider taking defensive driving courses to get better - there are big discounts.
- Vehicle Safety
Get as many safety features as you can on the vehicle. Lo-jack costs next to nothing but will really lower your payments. Airbags are another up-front cost that will save you lots of cash into the future.
Getting a new vehicle? Pick one with a high safety rating.
Deducting to Save
There's a simple rule when it comes to calculating your premiums: the higher the deductible, the lower the premiums. This doesn't mean that you should agree to pay tens of thousands of dollars before your insurance helps - there wouldn't be much of a point in getting insurance if you did. What it does mean is that you should pay the highest deductible that you can actually, reasonably afford. This way, you'll end up getting the best deal.
Discounts
Low mileage, good student, mature driver, defensive driver, covered garage: these are just some of the discounts that most insurance providers offer. There are hundreds of discounts out there, some varying company to company, but you might have to put a bit of pressure on your provider before they will tell you about them. They are never going to offer them up, so it is good to have some quotes from other insurance companies on hand to put the fear of God in them.
Careful with the Coverage
If you want to pay the lowest amount possible while still meeting your needs, you've got to know exactly which type of coverage you want as well as how many dollars you want covered. Make sure that you aren't double covered as well. If you've got stellar medical coverage/health insurance through your employer, no need to take out a medical policy on your vehicle. If you're the safest driver in the world, you might not need much coverage since you are unlikely to be responsible; personal injury protection (PIP) might be enough.
You deserve all the credit
Credit rating is a big part of your premiums, but you don't have to have perfect credit to get big savings. Get a credit report and fix any errors that might be on there - they are extremely common! If you can settle any outstanding fees or even get the amount you owe on a credit card down to 1/3 of the limit, even better!
Auto Insurance Quotes
Saving money is as easy as free online auto insurance quotes. You can get a good idea from these estimates which auto insurance providers are charging what, so make sure to spend some time comparing these auto insurance quotes.
Find Marcus Stalder's other contributions at [http://www.insurmates.com/articles/sure-savings.html](http://www.insurmates.com/articles/sure-savings.html) where he gladly shares his opinion on many different subjects and helps people around the globe find a better understanding of the things they're interested in.
Article source: https://articlebiz.comRate article
Article comments
There are no posted comments.
Related articles
- Out with Fianna Fáil and Fine Gael: 230,000 Irish Children Living in Poverty
- The challenge of Cholera today
- The Ultimate Guide to 3D Animation: From Basics to Advanced Techniques
- Strategic Equipment Financing: Simplifying Capital Investments for Sustainable Growth
- Transform Your Health Journey with Able's Online Weight Loss Counseling
- Are the Crocs' shoes good for your feet?
- Your Ultimate Guide to False Eyelash Types: Find Your Perfect Match!
- Discovering Lighting Stores in Brampton: Spotlight on Fehmilights
- Blue Pacific Financial Loans
- Why is SEO for businesses on the Wirral important
- Proton Mail In Vivaldi Email
- Email Deployment
- Search Engine Marketing: Unleashing Its Power for Your Business
- Squarespace email campaigns vs Mailchimp
- Squarespace email campaigns vs Mailchimp
- Commercial Cleaning Services in Auckland: A Deep Dive into Angel Cleaning
- What is CCTLD?
- Why Women of Color Need to Support Kamala Harris
- Email Extractor from CSV
- How to download Gmail email content into a CSV file.
- Is email marketing legit?
- How SEO Can Improve Your Business?
- Mitsubishi Electric proves heat pump compatibility with microbore pipework
- Polio: Doctors Struggled to Advise the Public Correctly.
- What makes the city of Melbourne such a unique place?
- What is the role of the Royal Society of London?
- Festive Decor with a Global Twist
- Mixer of Styles, The Boho Mid Century Farmhouse
- Explore Cape Town: Group Cape Town Tours With a Private Shuttle
- Exploring Airbnb Cleaning Service in Auckland: History, Trends, and Future Implications