When you own a vehicle, one of the expenses you have to deal with regularly is car insurance. You have to pay a monthly premium to keep your car insurance up, and you are required in most states to carry car insurance, so it is not an expense you can escape. Luckily, there are many things you can do to lower your car insurance bill.
Get a Multi-Car Discount
If you have more than one vehicle, get your insurance from the same provider. If you get your insurance from the same provider and you have multiple vehicles, you can enjoy a discount on your insurance costs for each vehicle. You essentially get a bulk rate when you bring multiple vehicles to the same insurance provider.
Take a Defensive Driving Course
It is one thing to believe you are a good driver; it is another thing to show that you are a good driver. Taking a defensive driving class is one way to show your insurance provider that you are a solid driver. If you have points on your license and you take a defensive driving class, you can reduce the points on your license. Even if you have a clean driving record, taking a defensive driving class is a great way to earn a discount on your insurance.
Reduce the Miles You Drive
Your insurance provider asks how many miles you drive each year. Your answer is important. If you use your vehicle for commuting to work every day, you are going to pay more for the vehicle than if you only use the vehicle for casual driving. Reducing the miles you drive can help you reduce your insurance costs. Find out your insurance company's mileage thresholds and work to get your vehicle below that threshold to save some money.
Raise The Deductible
You get to choose what your deductible is. By raising your deductible, you can lower your premium. This can be a smart move to make, as you only need to pay your deductible if you get into an accident. So as long as you remain accident-free, you will be able to enjoy lower costs for your insurance.
If you want to save money on your car insurance, get your insurance for all of your vehicles from the same insurance provider. Take a defensive driving course that your insurance provider approves. Reduce the miles you drive each year and raise your deductible. These smart tips can save you significant money on your car insurance premium costs.
For more information on auto insurance, contact your insurance provider.