Most people believe that car insurance has to be expensive. There's a pervasive notion that no matter what you do, you will be paying an arm and a leg for vehicle coverage. This cannot be stressed enough: there are simple ways to drastically reduce your insurance premiums. Here at the Insurance Experts blog, we've compiled a list of the best ways to cut down on your car insurance costs.
Your insurance rates are determined primarily by your driving record. A clean driving record, with absolutely no accidents or traffic violations, translates into the cheapest possible premium. Every ticket and accident you accumulate contributes to an increase in your car insurance premiums. For this reason, it is essential that you stay vigilant and remain as safe as you possibly can on the road.
Choose Your Wheels Wisely
The type of car you drive has a profound influence on your insurance premiums. The more expensive it is for a particular vehicle to be replaced or fixed, the higher your premiums will be. Additionally, the more likely it is that your vehicle will be stolen, the higher your Comprehensive rates (those rates that deal with theft and other perils) will be. In short, buy wisely. Before you start looking for a vehicle on Craigslist, be sure you call your insurance company to find out how much that particular vehicle costs to insure.
By far the simplest way of saving money on your car insurance is to take an accredited driving course. These courses teach you the basics, and a good deal of advanced driving as well. By taking the course, you're learning essential driving skills and habits, and often more importantly, getting rid of any nasty habits you were taught by well-meaning family and friends.
Taking these simple tips into mind, you can save considerable amounts of money on your insurance. Maintaing a safe driving record, choosing a vehicle wisely, and getting formal training will all contribute to a significant savings on your premiums.