Finding good value car insurance with excellent coverage and customer service is not always easy.
In fact, according to a survey conducted by Consumer Reports, more than 60% of drivers decide to shop for new insurance after receiving better prices and almost 10% switch companies due to issues of courtesy and honesty.
However, it’s not just about finding the right insurance, but also about taking the right steps to save as much as possible on your insurance policy. Here are 8 tips to save on your car insurance.
Take advantage of special discounts
It doesn’t cost anything to ask, and you may be surprised by the many cases that merit discounts. Some examples include:
- If you bundle multiple cars under one policy;
- If you are a student;
- If you own a home;
- If you drive less than a certain number of miles per year;
- If your car has advanced safety features such as air bags and car alarms.
Note that these points vary by state and by insurer.
With AAA you get personal attention and service based on your needs.
Ask about group insurance
Some companies offer discounts to drivers who obtain insurance through their employer’s group plan, through professional, trade, and alumni groups or other associations.
Buy a car that is cheaper to insure
Before you buy or lease your next car, compare car insurance rates for the models you are considering, this way you can be able to save more on car insurance. Family and moderately priced vehicles, such as minivans and small SUVs, tend to be cheaper to insure.
Small cars, on the other hand, tend to be more expensive to insure. Because there are so many trailers, vans and trucks on the road today, small cars are less visible and therefore more likely to be involved in an accident, among other reasons.
Keep your driving record in good shape
Your driving record is one of the aspects that impact the cost of your policy. If you’ve recently crashed, you may see an increase in the cost of your insurance policy at renewal time.
Or if you have been penalised for texting while driving or speeding, the cost of your policy may also be affected.
Remember to keep your eyes on the road and your hands on the wheel! And if you need to talk to someone, turn on Bluetooth to chat without being distracted.
Improve your credit whenever possible
In some states, your credit is an important factor when auto insurance companies calculate how much to charge. In some cases it may even count more than your driving record in some cases.
Check to see if in your state credit history is a factor in determining the premium you pay on your insurance.
Take a defensive driving course
Sometimes insurance companies will offer a discount for those who complete an approved defensive driving course annually (or every two or three years depending on the insurer).
Shop around annually
Car insurance at competitive rates is only the beginning. It makes sense to compare your current rate year to year. Get quotes from at least three insurers, and look at the company’s reputation and reviews from existing customers to form an opinion.
If you want to feel confident with auto insurance that will treat you fairly, ask the right questions and offer personalised service, AAA is for you.
We have partnered with them because we trust their service and believe you can find a good deal unique to your needs.