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Tips for Saving Money on Car Insurance

 Saving money on car insurance is something that many people strive to do. Most people can save substantial amounts of money on their premiums every month by taking a couple of easy steps. Here are several tips to save money.


Bundle Coverage

One of the easiest ways to save money on is to bundle the coverage with another insurance policy. If you have a homeowner's insurance policy through one company, many times you can get lower rates by purchasing car insurance through them as well.


Maintain a Good Driving Record

Drivers that have a clean driving record have a much easier time saving money on auto insurance than those that do not. The more time that passes between accidents, the less it will affect your premiums if you have an accident on your record. Always strive to maintain a good driving record and over time your costs should decrease.


Comparison Shop

When looking for coverage to purchase, always check out multiple car insurance companies and get quotes from them. Many times, companies will lower their premiums in order to get a new customer to sign up with them. With most insurance sign ups happening online, it really is easier than ever before to shop quotes from multiple companies before deciding on one. Once you have your insurance, always check at least once a year to see if there are better options out there.


Choose A High Deductible

There is generally an inverse correlation between premiums and deductibles in an insurance policy. Many drivers find that saving money on car insurance can happen every month by choosing higher deductible plans. This means that the amount you pay each month will be lower, but if an accident were to occur the policy holder would be out of pocket more before the coverage started. If you are a safe driver that has a clean accident report, this could be a great option for you to save money.


Lower Coverage On Older Vehicles

There are many people that drive vehicles that are not worth much if they were to sell them. As a general rule, if your car is not worth more than 8 - 10 times the monthly premium it is a good idea to reduce the amount of coverage on the vehicle. It's important to note we offer additional car insurance tips here on our site. If you're looking for a non-biased authority source for car and auto insurance then you've come to the right place.


Monitor Mileage

With many insurance companies, a person can get reduced monthly premiums when the amount of miles they drive goes down dramatically. If you recently moved a lot closer to work it would be a good idea to monitor how much you are driving now compared to when you first purchased the policy and notify the insurance company of any major changes.


Take Advantage of Discounts

Finally, many car insurance companies will have a variety of discounts offered to those interested in saving money on car insurance. These can range from good grades for students to a high credit score. Always inquire about the various discount options a company has and be sure to take advantage of the ones you qualify for.