Auto insurance is a must, but that doesn’t mean that it has to cost as much as another vehicle payment! Just pay attention to the assorted media ads and you will be inundated with a wide range of auto insurance providers—all promising to be the most affordable auto insurance company. And, while competition between auto insurance companies can save you money, is there anything you can do to ensure you can get the most affordable auto insurance? As matter of fact, there is. Here are 12 actions you can take to get affordable auto insurance.
12 Steps to Getting Affordable Auto Insurance
- Combine policies whenever possible. This can often make a significant difference in attaining a more affordable auto insurance payment – especially if you have several vehicles.
- If you have, or soon will have a teen driver, then insist they take driver’s education. In addition, you may also want to take an advanced driver’s course, even if you have been driving for years, as auto insurance companies like to know that you are a safe driver.
- The type of vehicle you drive can make a difference in getting affordable auto insurance, as well. Items like air bags, anti-lock brakes and even fuel efficiency can affect your premiums.
- Having a teen driver, often means kissing reasonably affordable auto insurance goodbye; however, if your teen maintains a “B” average or better, then many auto insurance providers will give a discount.
- Raising your deductible to the highest level possible can go a long way toward making your auto insurance premiums more affordable.
- Don’t be afraid to haggle for affordable auto insurance. There is nothing wrong with telling an insurance provider that company A is going to cost “X” amount what can they do?
- Where do you live? Interestingly, the type of neighborhood you live in can affect getting affordable auto insurance. Talk to your agent to see if there are discounts given based on your street address
- Do you have an older vehicle? Then having liability can go a long a way toward having affordable auto insurance.
- Do you have a vehicle that stays in storage a large part of the year? Then be sure that your insurance provider knows this as they may have different rates that can result in a more affordable auto insurance policy for you.
- Your credit score affects many things and getting affordable auto insurance is no different. A good credit score means more affordable auto insurance!
- Get a vehicle security alarm, if you don’t already have one. The less likely your vehicle to be stolen, the better your insurance rate can be.
- Are you over 55? Age does have its benefits and lower auto insurance rates are one of them. Be sure that your age is a factor in your insurance policy.
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Affordable auto insurance is not just something talked about in the media. It is something that can be had by the average consumer who is willing to do a little bit of work. Use these tips to ensure that you have the most affordable auto insurance possible.
