Finding auto insurance that’s affordable, comprehensive, and offers great customer service is not always easy to find. That’s why over 60% of drivers surveyed seeked new insurance because of pricing, and nearly 10% due to poor customer service. However, it’s not just about finding the right insurance, it’s also about taking the right steps to ensure you can save the most possible when you do select one. Below you’ll find advice to help you save more with your auto insurance
Take advantage of special discounts
You may be surprised by the variety of circumstances that merit car insurance discounts, and it costs nothing to ask. Some examples include:
- If you group multiple cars under the same policy
- If you’re a student
- If you own a home
- If you drive less than a certain amount of miles per year
- If your car has advanced safety options
Keep in mind that these discounting factors vary by state and by insurer.
Ask about group insurance
Some insurance companies offer reductions to drivers who get insurance through a group plan from their employers, through professional, business and alumni groups or from other associations.
Buy a car that’s cheaper to insure
Before buying or leasing your next car, shop around for car insurance rates based on the models you are considering. Family-oriented and moderately priced vehicles, such as minivans and small SUVs, tend to be cheaper to insure.
Small cars, on the other hand, tend to be more expensive to insure. Because there are so many trailers, vans, and trucks on the road today, small cars are less visible and therefore more likely to be involved in an accident.
Your driving record is one of the things that impacts the cost of your policy. If you’ve recently been party to a crash, you may see an increase in the cost of your insurance policy when you renew. Or if you've been penalized for texting while driving or speeding, the cost of your policy may also be affected. Remember to keep your eyes on the road and your hands on the wheel! And if you're busy talking to someone, turn on Bluetooth to chat free of distractions.
Improve your credit whenever possible
In some states, your credit score is an important factor when auto insurance companies calculate how much to charge. In some cases it may even count more than your driving record. Check to see if your state's credit history is a factor in determining the premium you pay for your insurance.
Take a defensive driving course
In some cases, insurance companies will provide a discount for those who complete an approved defensive driving course. Aside from the discount, it’s also a good idea to improve your awareness on the road and drive more safely.
Compare prices annually
Getting a great rate on car insurance is just the beginning. It makes sense to compare your current rate on a yearly basis. Get quotes from at least three insurers, and look at the company's reputation and feedback from existing customers to form an informed opinion.
If you want to feel certain that your car insurance will treat you fairly, ask the right questions, and offer personalized service, AAA is for you. SABEResPODER has partnered with them because we trust their service and we believe that you can find a unique offering that fits your needs.