Choosing Better Insurance

With the cost of so many goods and services rising as a result of inflation, there is no better time to take action to start saving on the cost of your car insurance. The good news is that saving money on your auto insurance can be easier than you realize. In fact, with the help of the tips below, you can start saving in as little as just a few minutes. Best of all, many of these tips can be used without the need to spend a dime in the process. 

Tip 1: Sign Up For Any Safe Driver Discount Programs Your Insurance Carrier Offers

While the specific programs that are available can vary from one insurance carrier to the next, most major insurance companies offer some type of safe driver discount program that you can sign up for. In most cases, these programs will require you to download an app to your phone that can be used by the insurance company to collect information regarding your driving habits. As a reward for allowing them to collect this information, the insurance company will provide you with a discount on your policy. If the information that is collected proves that you are a safe driver, you may even be eligible for an additional discount.

Tip 2: Purchase All Of Your Insurance Policies Through The Same Company

Insurance companies encourage existing customers to purchase additional policies by offering what is known as a bundle or multi-policy discount. Essentially what this means is that you can enjoy savings on your car insurance and other insurance needs simply by choosing to purchase all of your insurance policies through the same company. Saving money just doesn't get any easier than that. 

Tip 3: Take A Defensive Driving Course

Taking a defensive driving course can reduce your risk of being involved in an accident. That is why insurance companies routinely offer discounted rates to individuals who have recently completed this type of driving course. Just be sure to provide proof of completion soon after finishing your course to ensure you remain eligible for any available discount. 

Tip 4: Raise Your Collision Deductible

The higher you choose to set your collision deductible, the lower you can expect your monthly payments to drop. Consequently, it is always a good idea to set your deductible as high as you can without jeopardizing your ability to pay this deductible if an accident does occur. Just be sure to set aside some of your savings to help cover the cost of your higher deductible. 

Tip 5: Accurately Report Your Safety And Anti-Theft Features

Insurance companies routinely offer discounts based on the safety and anti-theft features that your vehicle has. However, you will only receive these discounts if you report any applicable features to your insurance company. If your vehicle has any aftermarket safety or anti-theft features installed, be sure to check with your insurance company to ensure that you are receiving any applicable discounts for these features.