Money Saving Auto Insurance Tips

Our money saving auto insurance tips were written for one reason - To Save You Money on your next auto insurance policy. Since in most states you are required by law to purchase a minimum amount of liability coverage we've looked for ways to save you money. Additionally many people want more than just the bare minimum in order to provide themselves with adequate protection.

The top two biggest money saving auto insurance tips are to first shop around. There are numerous providers of insurance and generally speaking you can save a great deal of money on your policy if you take the time to find the right provider.

The second biggest tip to lower your rates is to simply raise your deductable. In some cases you can reduce your annual premium by 10 percent or more if you increase your deductible by a few hundred dollars. USE CAUTION HERE: You want to make sure you can actually afford the amount that you raise your deductible to or you're no better off then before.

Additional tips include eliminating certain types of coverage from your current policy and reducing the amount of coverage you currently have. Generally this is up to each individual based on thier needs, wants and desires. You may want to consult an insurance agent before making any drastic changes to your current policy.

Other factors raising the cost of your policy include the amount of mileage you drive annually and the type of vehicle you own and operate.
Did you also know that where you live can determine rates and keeping your car in a garage can lower your rates. Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.
If you have multiple cars and drivers then you could qualify for a multifamily discount. Sometimes your children's insurance premium can be lowered based on their school grade point average.

Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.

Finally try using an anti-theft device. This helps to reduce your insurance cost.
Thanks for taking the time to read our money saving auto insurance tips. We hope our free tips and save you some of your hard earned cash.

Auto Insurance

Driving your car around while trying to avoid an accident with the streets getting more crowded from traffic congestion is difficult enough without having to worry about how high your insurance rates will be. We take the guesswork out of how much your insurance will cost you by providing quality merchants that will save you money.

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How Do I Lower My Auto Insurance Rates?

Since there are many factors that go into determining your auto insurance rates, there are many chances to lower your rates.

If you change jobs and your drive to work changes or you stop working or you work from home, you should contact your insurance company.

If you have a teen driver and they go to school over 100 miles away without a car then you should be able to get a discount.

If you get married and are in your teens or twenties call your insurance company and see about combining your policies. Take defensive driving if your state allows it for a discount. See if increasing your comprehsive and collision deductibles will save you a lot of money.

You need to compare what you're saving and how much more you will have to pay if you file a claim.

For example, if you go from $500 to a $1000 deductible and it lowers your insurance $50 per 6 months then it saves you $100 a year. It will take you 5 years to break even from what you are saving compared to how much more you have to pay. Now, if it saves you $250 every six months then it would be more worth your while. See if combining your auto and home insurance polices will qualify for a multi policy discount with your current company. This could be a substantial discount.