5 Ways to Spend Less on Car Insurance
Car insurance is something most states require, but it doesn’t have to be that expensive. There are things you can do to lower your costs. The following are five ways you can spend less on car insurance.
1. Safety Features
Some insurance companies are willing to give you a discount if you install certain safety features. Now, you have to confirm this with your particular insurance company, but it works. There are many features they might give you a discount for, like installing lane departure detection, blind spot sensor, or a night vision camera. Most of the features available could save you money and protect your life and the life of your passengers, which is a positive.
2. Shop Online
Many people don’t know that getting coverage online could mean cheaper rates. It’s possible to buy Massachusetts online auto insurance, and the same is true for coverage in other states. These companies know you have access to many insurance quotes online. You can check out how much each company is going to charge you. This is one reason you can find competitive prices online. Plus, you can always use another company’s quote to negotiate a better price with your preferred insurance company.
3. Low Mileage Discount
If you don’t drive your car often, you might be entitled to another good discount. Some people don’t commute to work, and those drivers might reduce their insurance costs. Not all insurance companies offer this discount, so you’ll have to find out if yours does and if you qualify for it. There is a threshold you have to meet if you’re going to qualify. Just because you don’t commute to work doesn’t mean you don’t like taking long drives, so find out what your insurance company considers low.
4. Before You Purchase
Some cars are cheaper to insure than others. This is something many people don’t know, but it’s true. If you happen to be shopping for a new car, you’ve got the perfect chance to look for a vehicle that won’t require you to pay a high insurance rate. Most of the time, sportier, smaller cars cost more to insure, so you might want to stay away from those. Now, if your heart is set on a sports vehicle, then consider comparing several models because there’s bound to be one that doesn’t cost as much to insure.
5. Better Driver Discount
A few car insurances out there are willing to offer discounts if you’re a better or wiser driver. For example, some offer discounts to folks who carpool to work because you’re making the roads safer by reducing the number of drivers on the road. Other car insurance companies offer discounts to drivers who haven’t had a car accident or driving violation for years. You can talk to them to see what they can provide you with based on your driving record. You can even get a discount from your insurance company if you take a defensive driving class that could help make you a better driver.
These are some things you can do to lower your car insurance, but there are many more tricks you can pull, like asking for a higher deductible. Talk to your car insurance provider and ask if there are other things you can do to lower your costs.
