Auto Insurance Tips: 7 Ways To Save Money On Automobile Insurance

1. Compare Rates Online: Did you know you can save hundreds of dollars on your automobile insurance policy just by comparing rates online? It's true. When you compare prices from top insurance companies (for the same coverage) you'll often see rates that vary by hundreds of dollars for a 6 month policy. If you were buying a new or used vehicle you'd shop around right? Exactly! Remember, you should get at least 3 different quotes from individual insurance companies. You can do this online, over the phone or in person with a local insurance agent.
   
   
2. Raise Your Deductible: This tip can save you up to 15% or more on your car insurance bill by simply raising your deductible (like $500) to $1,000. Be aware that this means your deductible will be $1,000 and your out of pocket costs on any insurance claim will be any amount up to $1,000. If you lease or finance your automobile your lender may require you to carry a $500 deductible, so this option may not be for you.
   
   
3. Be A Safe Driver: If you can avoid speeding tickets, DUI's and other moving violations - you'll pay less! Being a safe driver is important to you and your insurance company. Your overall risk is assessed on many things, but your ability to drive safely and maintain a clean driving record will dramatically affect your insurance premium.
   
   
4. Ask About Discounts: Are you a student with a 3.0 GPA or above? Married? Just turned 25? Military? Good driver? Many insurance companies offer substantial savings for drivers that fit under these criteria. Make sure to ask your insurance agent if there are any applicable discounts.
   
   
5. Insure A Used Car: A new BMW is going to cost you more to insure than a used Honda Civic that you own outright, it doesn't matter who you are. The cost of insuring a newer vehicle just does not compare to a used car that has depreciated in value and your premiums will reflect this. On top of the cost in parts and repairing damage to a new car, you've also got different coverage amounts that may apply if you're leasing or financing the new vehicle. Many lenders require you to carry "full coverage" (state minimums plus comprehensive and collision with at least a $500 deductible) on any vehicle they're holding a lien on, where if you owned a used car, you could lower coverage in relation to the total cost of the vehicle.
   
   
6. Drop Comprehensive & Collision: Do you own an older vehicle? If you do you can drop or lower coverage relative to the price of the vehicle. For an example. If you owned a 1999 Honda Civic worth approximately $4,500, you could decide whether carrying comprehensive and collision is worth it to you. You may find that you're paying $1,500/yr to insure a $5k vehicle! Before you add or remove any coverage, you MUST speak with a licensed insurance agent about all of your options and choose your coverage wisely.
   
   
7. Drive Less: Do you have an option to car pool to and from work? What about ride sharing for daily activities? If you can keep your mileage under 10,000 miles per year, you could see substantial savings. Makes sense right? You drive less and your risk for getting into an accident drops. A typical driver averages 12,000 miles per year, so if you can stick to driving less you'll find lower rates.

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