Everyone wants to save money anyway they can. It is growingly more expensive just to be on the road and fill up your gas tank! We’ve seen triple digit gas receipts!Let our insurance agency help you save money on your auto insurance!
The best way to save is to shop your insurance coverage, but if you are happy with your current carrier here are more ways to cut the cost of your car insurance!
3 Ways to Save Your Money on Car Insurance Rates
1. Learn What Discounts You Qualify For Through Your Insurance Agency
Been there done that? Do it again! Circumstances change, not only what you may qualify for, but also what discounts are being offered by the carrier. A discount you didn’t qualify for a year ago, may be another 15% off your premiums you pay now!
Signs you may qualify for a car insurance discount:
- Do you carpool to work?
- Does your car have a low amount of mileage?
- Have you been accident free for three years?
- Are you a longtime customer?
- Are you retired?
- Have you enrolled in a defensive driving course?
Talk to your insurance company about receiving the appropriate discounts. You can find discounts for your teenage driver based on their GPA or enrolling in a pre-approved driving school. All that to say, there are ways to save!
2. Raise Your Deductible
This is a double edged sword. Your deductible is what you pay before the insurance company steps in to pay the rest off the loss. By increasing your deductible and agreeing to pay more when an accident occurs your monthly premium will decrease. Depending on how drastic you decide to increase your deductible your premiums will continue to lower.
Be cautious not to get carried away! You have insurance to help you pay for your car when things do go wrong – Increasing your deductible means you’ll be paying more out of pocket but less monthly.
3. Shop Around For the Best Coverage
The behind the scenes of an insurance carrier can influence rising costs and effect your bill. Shopping your coverage is important to finding the best car insurance rates!
How do you shop for insurance? I don’t know what questions to ask and if I’m comparing apples to apples.
The advantage to an independent insurance agent is how they provide your coverage. Independent insurance agencies shop your policy with numerous carriers and find the best price and coverage you need. The agents understand the market and how to find you the cheapest price possible.
Your car insurance costs may fluctuate as they are influenced by several factors.
If you aren’t satisfied with your current policy let us help you find the best insurance coverage at the best rate by shopping your coverage for you rather than you calling all of the same people.
Save Money on Auto Insurance Rates in the Future
We aren’t talking about hovercrafts here…yet.
The next time you buy a car these tips can help you save your insurance premiums before you ever have to pay them.
- Buy a Vehicle With Top Safety Features
And by top safety features we mean fairly basic. Anything more is a plus, but be sure your car is equipped with:
- Airbags
- Antilock Braking System
- Security Alarm
Many of these features come standard on newer models but if you are buying an older car consider these features when thinking about you and your family’s safety and budget as it may hurt your insurance cost.
- Buy a Low-Profile Car
Safety first. Insurance costs are based off of risks and the more dangerous the car the more costly the coverage! You may be surprised to see which vehicles rank as some of the most dangerous cars!
Would you ever guess the Kia Spectra would out-rank a Dodge Charger on the dangerous scale? It does. Look up the safety ratings on a car before you make a purchase. Do your homework or seek the advice of your insurance agent on car options before you buy.
Cheaper Car Insurance Rates Can Be Yours!
There are ways to save money on your automobile insurance, don’t believe you are stuck paying too much!
You can save money today!
We want to help. We’ve told you how to save on your insurance costs and we are confident we can be the agency to help you do that. Our independent insurance company works with major carriers to offer personal coverage at the best price coupled with the best coverage to help our clients succeed.
We can offer you the cheapest car insurance available and continue to shop your coverage for you to keep your auto insurance rates low for years to come. Saving starts with you contacting us.
Get a free car insurance quote today and let us help you find cheaper auto insurance coverage, better service and an insurance agency who is interested in your success.