1 . Choose a higher deductible
The deductible is the amount you pay per claim before your insurance company will pay the balance for repairs or replacements balance . People tend to buy policies with lower deductibles , such as $ 250 or $ 500. However, the higher the deductible , the lower your monthly premium. Driver safety may consider a higher deductible , and it will save money every month. On the other hand , drivers who present more than its fair share of complaints can choose to keep the lowest deductible. A good rule is to choose a franchise with the maximum amount you are able to pay , this method allows for monthly savings , but not break the bank in the event of an accident.
Two . Buy a car with a lower risk premium
Many consumers are caught up in the excitement of buying a new car . Although this is a very exciting time , you should also consider the cost of insurance on top of your monthly car loan. The new cars have higher than used cars premiums. In addition, sports cars have higher than most practical parent premiums. If auto insurance premiums are a concern for you , talk to your local agent before settling on a final decision car .
Three . Drive safely
This may seem obvious , but it is still an important part to save on your premium. The safety of drivers with little or no accidents and tickets still pay less than drivers who constantly need to file claims . One fault accident can affect your premium in the years to come. In addition to saving money , driving safely is a good habit for your own health and that of those around you .
April. Reduce coverage on older vehicles
Old cars do not require the same amount of coverage for a new car . Be sure to keep at least the minimum coverage required by state law , but do not hesitate to leave an accessory to consider politics as collision coverage . If you have an old car 15 years worth $ 1,000 and your deductible is $ 750 , your coverage can not be worth what you paid every month.
May Ask for discounts
There are many car insurance discounts that you may not know . Ask your dealer if you qualify for one of the following situations :
Good driver discount : for drivers with clean driving records
Reductions safe driver : for drivers who have class security accredited driver
Discount Multi - vehicle for drivers who say several vehicles with the same supplier
Multiline discount : for drivers also make sure that your home with the same supplier
Good student discount : for students with a B average or more
Safe discount : for vehicles with additional safety features
Discount for pensioners : Drivers who have reached a certain age, usually 55 years
Far in School - Discount : Driver who also insure their students
June Consult your independent insurance agent
Independent agents are able to compare prices in many insurance providers . With an appointment , you also want to get more information on each provider , as the effectiveness of customer service and the speed with which they treat each request.