All the cute geckos and funny accident anecdotes in the world can’t mask the fact that car insurance can be a pain. From comparing plans to deciding payment frequency to actually making those car insurance payments, it’s definitely no fun. We all want to save money. With a few of these industry-recommended top tips, you can be on your way to savings.
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.
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.
Bundling Really Can Save
You’ve surely heard the various commercials and ads about bundling and saving. And many times, those bundle discounts really do add up. If you already have homeowners insurance through one agency, chances are they can offer you a decent deal on car insurance, too. Even if you don’t have the best driving record and may be paying a bit higher on car insurance, you still may well save. Plus, that bundle can help your other insurances go down as well.
Check Around for Unexpected Help
At the end of the day, the less you have to use your insurance and the less deductibles you have to pay, the better. Those car insurance costs can really add up. We here at Orlando Auto Body, in c offer an opportunity to waive your deductible in the form of a rebate. Every little bit certainly helps.
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.