Simple Ways to Lower Car Insurance Premiums

In most states, it is a requirement that licensed drivers have some form of coverage for their vehicles, and this means paying premiums each month just in case. But many simply don’t do the investigative work that can decrease their monthly bills, and by doing a few, simple things, they can have lower car insurance premiums. Auto insurance can be expensive, and keeping costs down will make for a healthier bottom line as far as household budgets are concerned, and perhaps even allow for greater coverage in case of accident.

Lower Your Car Insurance Premiums

Start by having a comfortable knowledge of your vehicle. Read the owner’s manual and determine what size engine it has, how old it is, and what safety features are part and parcel to your particular model. If your car is a four cylinder model of a more common six or eight, be sure to let your auto insurance company know when calculating your monthly premiums. Higher powered vehicles carry larger costs due to risk and rate of accident, and you shouldn’t have to pay for this spread if you don’t have to.
If your vehicle is an older model, make sure your insurance agent knows to lower your car insurance rates as older cars definitely garner lower monthly costs for drivers. This is from a variety of factors, but essentially it shows that your vehicle is a solid machine with few issues. It indicates less stress on the mechanics and suspension, making it an all around better bet for insurance companies to provide coverage for

Follow Your Maintenance Plan

When speaking with your insurance agent, have a reliable and complete record of required maintenance records to demonstrate that you have a keen eye for maintaining a vehicle. By performing regularly scheduled maintenance, you will have demonstrated that you are keeping a well run vehicle, and this will lower your car insurance premiums relative to the work you have put into it.

Don’t Forget the Odd Little Extras

When discussing rates with your insurance agent, let them know you have an aftermarket security system installed, if in fact you do, and let them know you keep it in a locked garage at night if that’s the case as well. This simple act lowers the risk of theft considerably, and your premiums should reflect this as well.

There are many ways you can lower your car insurance premiums, and one of the best ways is also the simplest- ask your insurance agent for advice when picking out a policy. They are there to help, and they want a customer for the long haul. Making you happy is how they accomplish that goal.

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