10 Tips to Decrease Your Monthly Car Insurance Bill

By acashel | Posted in Uncategorized on Thursday, June 27th, 2019 at 12:07 am

At Drive Casa, we know that car insurance can be expensive, especially if you have a low credit score. That’s why we want to help you cut costs as much as possible! Follow these guidelines to ensure you’re getting the best auto insurance deal possible!

  1. Group Your Cars Together

If you obtain a quote from an auto insurance company to insure a single vehicle, you might end up with a higher quote per vehicle than if you inquired about insuring several drivers and/or vehicles with the same company.

  1. Be a Safe Driver

The more mindful you are, the more accidents or moving violations you’ll be able to avoid; events which raise insurance rates.

  1. Take a Defensive Driving Course

Sometimes insurance companies will provide a discount for those who complete a defensive driving course. If you’re willing to take the time to do this, ask your insurance agent if that will impact your rates!

  1. Shop Around

If your policy is about to renew and the annual premium has gone up significantly, consider shopping around and obtaining quotes from competing companies.

Remember, cheap doesn’t always mean good, and going with the lower-priced company isn’t always the wisest decision. Be mindful and do all of your research comparing apples to apples on coverage.

  1. Get a Smaller Car

Buying a huge SUV may sound exciting, but insuring a 5,000-pound, top-of-the-line vehicle can be more expensive than insuring a small (but safe) lower-cost commuter car.

If you’re looking for a different vehicle that will be cheaper to ensure, browse our Drive Casa inventory today!

  1. Increase Your Deductible

When selecting car insurance, you can typically choose a deductible or the amount of money you pay before insurance reimburses you for an accident, theft or other types of damage to the vehicle. Depending on the policy, deductibles typically range from $250 to $1,000 or more.

  1. Ask for Discounts for Anti-Theft Devices

You may have the potential to lower your annual premiums if you have or installed an anti-theft device. Your insurance company should be able to tell you specifically which devices can lower premiums.

  1. Speak to Your Agent

Ask if there are any special discounts the company offers for individuals such as military personnel or employees of a certain company. You never know what sort of discount pricing might be available for your circumstances.

  1. Look Into Pay-As-You-Go Insurance

If you’re a safe, low-mileage driver, a usage-based insurance program may be available to you, such as Allstate’s Drivewise, Progressive’s Snapshot or State Farm’s Drive Safe & Save. By signing up for these programs, you let your insurer track your driving in exchange for possible discounts.

  1. Research Additional Discounts

Insurers provide a variety of discounts. Check for discounts like these:

  • Insurance bundles with other types of insurance, such as homeowner’s insurance
  • Pay the entire annual or six-month premium at once
  • Agree to receive e-bills and documentation
  • Are you a member of particular organizations or groups that offer discounts?

Have any more auto insurance tips? Let us know in the comments below!

 

 

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