Car Insurance: Top Tips to Save you Cash
Don’t be Afraid to Shop Around
Even if you’ve been with your current car insurance for a while, it doesn’t hurt to see what’s out there. Ask people around you who they use and if they would recommend them. Use that information to write a list of at least three different brokerages you would like to get quotes from. Online quotes are super easy to obtain, but do be aware that an agent may reach out to you personally from there to gather all needed information. The questions from each car insurance agency are generally the same, so at least you’ll always be prepared after the first.
Good Driver Discounts
Accidents happen. Often, accidents are not even your fault. Many car insurance companies are so focused on reducing the risk of an accident that they will offer you a good driver discount. This usually takes into account driving history, claim history, etc. Things like following the speed limits, obeying traffic lights and being attentive on the road can help a lot. Speeding tickets and car insurance claims unfortunately do increase premiums over time.
Some car insurance companies even offer devices now that plug into your OBD port and track driving behavior to maximize your discounts. They monitor speed, braking, swerving – sometimes even texting, if you hook your phone into your car and use that data to reward good road behavior.
Consider Car Make & Car Parts Premiums
Just as buying a fancy European car means you will be paying more for repairs and replacement parts, the type of car you get can help or hurt your car insurance, too. Before your next vehicle purchase, investigate how it will influence your premiums. Some cars have higher insurance premiums because they are more likely to be stolen, they are more costly to replace or they are considered a higher risk of being in an accident. If you do get in an accident and the repair cost is minor enough, you can choose to pay out of pocket for collision repair and save yourself the higher future premiums.
Further, having more expensive part can influence car insurance cost. Fancier rims or bigger wheels are costly to total. The parts and the sum really do matter.
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We handle anything from small auto damage to large accidents
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