Four Smart Tips For Lowering Your Auto Insurance Quote

Are you paying a lot of money in auto insurance quotes? Have you shopped for lower rates to no avail? One of the best ways of keeping your insurance costs down is maintaining an excellent driving record. However, even then, there's no guarantee that insurers will offer a lower quotation. Therefore, you need to take measures to lower your costs and make savings. Below are some smart tips for reducing the amount you pay for your car insurance.

Check Your Drivers

How many drivers have you listed on your car insurance policy? The more drivers, the more you may end up paying in premiums. If the drivers listed are young or high risk due to poor driving habits, you may pay more for insurance. Thus, to reduce your premiums, check and limit the people that can drive your car. If your kids already have vehicles, take them off your policy. Consider listing a more experienced driver to help lower your premiums.

Reduce Coverage on an Older Vehicle

If you drive an older car, you don't have to pay a lot of money to insure it. If the vehicle isn't worth a lot of money, it may be time to rethink the coverage. However, this doesn't mean that you should drive without insurance. Invest in essential coverage, such as third-party insurance, and ditch collision and comprehensive coverage. You can also opt to protect the drivers and passengers by taking out a personal injury protection policy.

Limit Your Policy Extras

Some unnecessary extras can significantly increase your insurance quote. Coverage for legal fees, personal effects, roadside assistance, etc., may be unnecessary. For example, if your spouse has a vehicle, you may not need to pay extra for a courtesy car. Also, avoid additional coverage already included in your primary policy. For example, your comprehensive coverage should cover windscreen damage due to vandalism. Thus, you don't need to pay extra for windscreen coverage.

Ask for Discounts

Most insurance companies and brokers only extend discounts when asked. Thus, don't be shy about asking for discounts. Some factors that make you eligible include:

• An impeccable driving record
• Auto safety features such as winter tires and anti-theft technology
• Additional insurance policies with the same company
• Low annual mileage
• A long-term relationship with the insurer

You can also get discounts if you pay your annual premiums at once rather than every month.

Follow these tips to lower your car insurance quotes. Get multiple auto insurance quotes from various companies for comparison.

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