We are excited to feature a sponsored post about making car insurance decisions.
You shouldn’t go anywhere without car insurance, but it can be an expensive investment to make. Here are just seven ways to find a good deal and reduce the cost of your monthly premiums.
1. Trim the Fat
Some car insurance packages have coverage that isn’t mandated by the state. For example, you might be paying for “bodily injury liability” or “uninsured motorist protection” when you don’t have to be. Talk to your provider about getting rid of unnecessary add-ons to your policy.
2. Go Green
If you’re thinking of buying a new vehicle, consider a hybrid or eco-friendly model. Insurance companies will knock a lot of dollars off your monthly payments if you’re willing to invest in green technology.
3. Upgrade Your Safety Features
If your vehicle doesn’t come with automated seat belts or motion-triggered alarms, now is the time to upgrade. A heavily-protected car is less likely to be stolen than others like it, so the insurance company won’t charge you as much to cover it.
4. Drive Less
It may sound strange, but if you can prove to your provider that you drive less than 10,000 miles a year, you might qualify for lower premiums. The logic is that a car in the garage won’t attract as much trouble as a car on the road, reducing the statistical probability that you’ll be in an accident.
5. Take Driver’s Ed
Drivers with clean records will pay less than those who have been in accidents. Even if you’ve had a few fender-benders, however, you can often reduce your premiums by successfully completing a driver’s ed course.
6. Buy a Better Car
Sports cars cost more to insure than old vans. This is because expensive, top-tier brands are more likely to be stolen or totaled in the event of an accident, meaning the insurance company itself will have to pay more to reimburse you.
7. Weigh Your Options
You should always compare and contrast auto insurance quotes. Even if you think you’ve snagged a good deal with a specific provider, you might be surprised to find lower premiums or more comprehensive coverage with another brand.
These are just seven ways to pay less for auto insurance. Whether you’re a teen driver or a veteran to the road, these tips should help you save a little money the next time you’re in the market for coverage.