One of the most important things that you can do when shopping around for auto insurance is making sure that you get as many discounts as possible, mostly because you will be paying for this insurance for as long as you own the vehicle, so it only makes sense to minimize the expense. Listed below are three options that can help you lower your car insurance rates.
Look Into Low Mileage Discounts
One of the best options available when it comes to lowering your car insurance rates is a low mileage discount. A low mileage discount applies if you are only planning on driving your vehicle less than the average amount. For example, you can get a discount if you are only planning on driving a vehicle less than 10,000 miles a year.
However, bear in mind that you will not be eligible for the low mileage discount again if you go over that mileage limit as the insurance company will often track your mileage to ensure that you are still eligible for the discounts. This is the perfect discount to look into if you need to insure a second car that is not used very often or is only driven short distances.
Raise Your Deductibles
Another option is to consider raising your deductibles. This can be a bit risky, as your deductible is the amount of money that you will have to spend out of your own pocket before your insurance company steps in and helps with repairs. However, if you believe that you will typically have enough money in your account at most times to cover a large deductible, then raising the deductible by a few hundred dollars is a great way to decrease your monthly insurance payments.
Take Driving Courses
Finally, consider taking defensive or safe driver courses from your local driving school. This is very useful as these courses will teach you everything from proper following procedure to how to properly brake in different weather conditions. In addition, these courses can teach you how to minimize the risk of an accident by teaching you how to react if someone is driving erratically and to look for any possible signs that an accident may be likely to occur.
The reason that this is so helpful is that it greatly decreases the chances of you ending up in an auto accident, which has the nice added bonus of helping to ensure that you do not file a claim with your insurance company. As a result, the insurance company is not likely to have to spend money on you, which results in them passing on a discount on your auto policy.
Contact your auto insurance agent today in order to discuss what discounts you may be eligible for. By looking to low mileage discounts, raising your deductibles, and taking driving courses, you can potentially lower your car insurance rates by a large amount.