Salute Friend

If you’d like to save some money on your auto coverage , there are 3 things that you can alter to help you lower your rates.

Let’s have a look at each one, and see where you can make some cuts.

Your Life

We know that you’re not going to turn the way you live upside down just to save a few dollars on auto insurance.. We wouldn’t either. But there are things that you can do that might help you save big.
Drive fewer miles and be a safer driver. Insurance companies always offer safe driver incentives, which can mean car insurance savings.

There’s sound reasoning behind this. For every speeding ticket you get within one year, your chances of being at fault in an accident increase dramatically. So hit the brakes!

The less you drive the less you pay, too. If you can carpool or use public transit to and from work, your rate will go down. Lower your mileage and you’ll cut down your rates.

Another thing that will certainly influence your rates is the presence of teen-aged drivers in your home. But young drivers who get good grades, or who drive older model cars, may earn you a car insurance discount.

Your Car

The kind of automobile you drive can have a big effect on your insurance costs. High profile cars (this means both sporty coupes and popular autos preferred by thieves, like Toyota Camrys ) will earn higher rates than lower profile minivans and station wagons.

Of course, newer and expensive cars mean higher collision and comprehensive rates. Driving an older model can lower your auto insurance rates by quite a bit.

Don’t feel like changing your ride? An easier way to earn a discount auto insurance rate is to install safety devices on your car.

Auto alarms and locator devices can also lower the cost of comprehensive coverage. Many insurance providers will offer you savings if you provide proof of having some sort of anti-theft device installed.

Your Provider

Shopping around with a few auto insurance providers may be the best way to save on your coverage. Quotes for the same coverage can vary widely from one insurer to another, and collecting a few quotes before you make your decision can be a real money saver.

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———-The author, Jonathan Krakowski, writes a regular column for Taxes In-Depth, an award-winning tax information blog.

He also edits Health Insurance In-Depth and Auto Insurance In-Depth, both pro-consumer guides.