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Make sure you ask your broker for any discounts that the company offers.
It’s very easy to forget to do this and yet most agents aren’t too quick
to offer the discounts on their own. A clean driving record, good
credit, defensive driving, an accident free record, anti-theft devices,
safety equipment like airbags, and even a homeowner’s policy can reduce
your car insurance rate. It never hurts to ask!
A safe driving record includes no traffic violations and no accidents.
The length of length of time you must have a safe driving record for
depends on the insurance company but generally ranges from 3 to 5 years.
Statistically, women have less violations then men, that is why
ladies car insurance costs less.
If you drive an older car, it likely isn’t worth the cost to put
collision insurance on it. Collision insurance covers your vehicle if
you are in the wrong in an accident. If someone else is in the wrong,
their insurance will always cover your vehicle.
Comprehension covers theft, vandalism, and fire and as your car ages it
too may not be worth paying for. This is especially true if you have
what many of us fondly refer to as a “beater.” Just put the basic pink
slip on your vehicle and save substantially. However, if your car has
any real value this may not be coverage you’ll want to give up.
The drivers you will have covered on your car will also reflect on your
car insurance rate. If everyone has a good driver’s record your premiums
will remain low, however if you have a teenager or driver with not so
good a record, you will find yourself.
Just a few good tips can make a huge difference on your car insurance
rate. It’s time to start comparing car insurance companies.
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