Shopping and comparing car insurance rates is the logical thing to do, before buying or obtaining an auto insurance policy. Due to the fact that car insurance rates differ from each other . Apart from this, there are still ways to cut down on your premium.
Using public transportation would reduce both your chance of having an auto crash and also your mileage. Do inform your insurer about your decision. It saves cost.
If your car is old and needs repair which you can pay for then you don’t need a comprehensive insurance policy.
Refusing policies like roadside assistance, towing and rental coverage would save you cost no matter how cheap they are.
To help insurers get better result on determining, evaluation and assessing a customer’s suitability, many states allow insurers to use the applicants credit records. Also pay your premiums through EFT it saves cost on monthly payment.
You usually get a 25% to 50% increase on premium if you want to reactivate your policy. You can ask your insurer if a partial payment can still keep your policy active before you decide.
If you have had a good driving record for the past three to five years, you would be eligible for a discount. Most insurers would prefer a clean 5 years record. Therefore you should have a good record because reckless driving attracts a rate higher by $200 to $500 on your policy depending on the state..
A car alarm would reduce the chances of your car being stolen. You would get a discounted rate on your policy if your car has this feature.
Always ask for the correct rate on the policy when asking and make sure you give correct information about your car.
Start comparing quotes right now if you are at all serious about having a more affordable rate.