The typical driver is eligible for numerous auto insurance discounts that he or she may not even know about. Discounted car insurance rates are actually the norm, rather than the exception. But without knowing what deals are out there, you can’t take advantage of these money-saving offers. Consider the following – you may be able to save on your auto insurance:
If you are a safe driver, you are well positioned to negotiate a lower rate. Even if you’ve had an at-fault accident in the past, you may be able to have it forgiven after two to five years. Some car insurance agencies even forgive your first accident. If you can prove an excellent driving record, you can get lower car insurance rates.
Is your car a “low-profile” vehicle? Or are you in the market to buy a new vehicle? If you forego a flashy sports car that has a high theft rate and high costs for repair, you will save significantly on your car insurance. Choose a car with a higher safety rating and anti-theft devices and you will pay less on your monthly premiums.
If you carpool or take public transportation to work, you can also get an infrequent driver discount. Commuting during rush hour is one of the riskiest times to drive. This is why an agent will ask you how often you drive the car and if you drive it to work. Answer “no” (truthfully) and you can save.
Has your credit rating improved recently? Car insurance agencies will pull your credit score when you first apply for your insurance policy and will base your pricing on that. Lower credit scores mean that a driver may be more prone to late payments or may be more likely to file a claim. If you can increase your credit score by 50 or more points, you can probably get a lower rate on your car insurance.
Membership and group discounts are also an effective way to cut down on your auto insurance costs. If you’ve changed jobs or recently been accepted into a professional association, ask if they have any group insurance rates. These types of discounts can save you a significant amount of money.
Lastly, always remember to comparison shop. With the advent of the Internet, viewing the latest discounted auto insurance rates is easier than ever. By running a local car insurance search by postal code or city and state, you can instantly view deals available in your area. Give it a go the next time you have a free minute (how about now?).
Gabe Mata is an online insurance quotes expert. Compare Online Car Insurance Low Rates from Online companies or agent at LocalCarInsurance.net. Your source for Cheap Car Insurance Information.
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