Car insurance is a necessity, but sometimes you just wish it cost a little bit less. Here are a few things you can look into to get a discount on your car insurance.
Be a Safe (and Smart) Driver
While this isn’t really a secret, driving safely gives a big cost-saving boost to your car insurance. Avoiding tickets and accidents, however, is easier said than done, and even the safest drivers can miss the mark.
One thing you can do is help to avoid things that aren’t your fault. Theft can raise the price of your car insurance, so avoid keeping valuable items in plain sight. Investing in anti-theft technology for your car can reduce your car insurance premium. A dash camera can also potentially give you a discount.
Change How You Pay
How you pay for your insurance policy can also make a difference. Have too high of a monthly premium payment? See if you can increase your deductible instead. You may have to pay more in case of an accident, but if you’re prepared for it, you can save a lot of money in the long run.
If you have other cars and drivers in your household, look into multi-car discounts as well. Rather than paying for separate car insurance policies, you can get a discount for including everyone in your household in the same policy.
Go Shopping
No, we don’t mean literally. Except if it raises your credit score. Getting a higher credit score can decrease your car insurance payments.
But what we really mean by shopping is comparing other plans in your area. You may be overpaying for a policy you can get for less somewhere else. The only way to know is to look.
Other insurance companies may also have discounts that your current policy can’t offer you. Or, maybe your current policy has discounts you don’t know about. Talk to your agent and see if there are any options out there such as:
- Paying six months of premiums all at once
- Receiving e-bills and documentation
- Being a member of particular organizations or groups
It may also be time to go shopping for a new vehicle. Big, expensive cars are exciting, but if you’re having trouble paying your insurance bills, you’ll be better off downgrading. This option isn’t for everyone, but if you’re very frustrated by the cost of your insurance and willing to make a switch, keep it in mind.
Get Your Best Insurance Rate with Secure Insurance Group
Secure Insurance Group can help you find the right car insurance policy with the best possible discounts. Get a quote today or call 1-877-7328.
