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How to reduce your car insurance policy

Lower your insurance costs – especially if you have a great driving record easily or do not mind having higher deductibles.

Who do not want to pay less car insurance? Spend billions of dollars on advertising campaigns to convince you to “convert and save” – ​​but the fact is that many people find a deposit regardless of who the insurance company is. According to the Insurance Information Institute and other experts, you can do the same:

Safe Driving. Road accidents, speeding violations and other accidents can put your safety at risk. But they also make it harder for your wallet because some can cause your insurance premium to skyrocket. On the other hand, if you do not have an accident or violate the rules, many companies give you discounts, so not only do you not pay more than you should pay, you also pay less than you do.

Make sure your insurance coverage fits your life (and your car). If you can afford a higher deductible, yes, the amount of recovery you want to take on your insurance can save you a substantial premium. According to the Institute of Insurance Information, raising your deduction from $ 200 to $ 500 may reduce your total cost by 30%. If your car is old, the value is far below the previous level, you will also consider giving up the collision or full insurance.

Pay on time. And not just insurance for insurance companies. When most carriers use credit information, they determine how much you pay, so it helps to have a good credit history. Other factors that affect your position include your unpaid balance and how much credit you have available.

Ask about the discount. There are a variety of discounts available for drivers – including some that you may not be aware of. Do you own your house? You can save your car insurance. Do you buy your homeowners and car insurance policies from the same company? You may already get a discount. If you do not drive, you qualify for low mileage discounts. The list is continuing (literally) so we will help you get the savings you deserve!

Around the shop. This applies to cars and insurance! Your car has a big impact on your insurance will be expensive, so if you buy new, be sure to fix the cost of a particular model to investigate, the possibility of being stolen, etc. When it comes to insurance, we Can help you get a quote from a group of insurance companies and we will easily gauge your options and find the balance between coverage and cost.