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Tips for Auto Insurance

In most states, it is illegal to operate a motor vehicle without proof of insurance. However, in our presently struggling economy it has become difficult for most families to afford high monthly insurance premiums. Since forgoing auto insurance is not an option, it is imperative to trim down premiums in any way possible. A few simple tips will help you save money on monthly insurance premiums without opting for a large deductible.

Compare Offers

It really does pay to shop around before you sign an insurance agreement, as it is the best way to find a terrific deal on premiums. Competition is fierce in the auto insurance industry these days, and companies are constantly trying to underbid one another in an attempt to lure clients onto their own rosters. A simple Internet keyword search will yield links to numerous different auto insurance companies. Take some time to sift through these offers until you find a handful of companies that offer premium insurance coverage at discount prices.

Once you have a few prospective companies, call each one directly to see if you can negotiate an even lower monthly premium rate. Don’t be afraid to let insurance company representatives know that you are considering signing an agreement with another company. This fact will give you leverage to obtain the rock bottom price you are after.

Drive Safely

It may seem obvious, but it is important to understand that the best way to lower your monthly insurance premiums is to be a safe driver. Accident-prone drivers are a big risk for insurance companies, and premiums go sky high for individuals that have multiple accidents in a relatively short period. As a general rule, the longer you remain accident-free, the lower your annual insurance premiums are likely to be. If you can avoid accidents and moving violations for a period of three to five years, you can expect to see your insurance premiums dramatically decrease.

Upgrade to Anti-Lock Brakes

While it requires an upfront investment to upgrade your car with anti-lock brakes, it can save you money in the long run via decreased insurance premiums. Anti-lock brakes assure insurance providers that you can stop on a dime to avoid fender benders. This assurance translates directly into reduced insurance rates for the drivers of anti-lock brake equipped vehicles. Shop around to find a local mechanic that is willing to install anti-lock brakes for you at an affordable price, or pay off your upgrade in monthly installments using the money your new brakes save you on monthly premiums.

Install Air Bags

Airbags not only save lives, they can also save you a great deal of money on auto insurance. Most new vehicles are equipped with airbags, but you may need to have them installed in older models. Both driver and passenger side airbags will reduce your overall insurance rates. So the more airbags your car has, the better.

Buy a New Car

When you purchase a new car, you can expect to see instant savings on your monthly insurance premiums. New cars are in peak condition, so they typically outperform older vehicle models. They can stop faster in an emergency, and can more effectively protect the driver and passengers inside the vehicle. Insurance companies recognize this fact and as such, they encourage individuals to purchase new cars by offering reduced-price insurance incentives. A new car insurance discount generally lasts about two years after the purchase date for your vehicle.

If you heed the above-mentioned tips, you may be surprised to discover how much money you save on insurance premiums over the course of a single year. While it will take a bit of effort, elbow grease, and upfront investment to implement all of these suggestions the money you save on insurance will more than make it worth your while.

You would also be wise to contact a professional insurance agent directly to discuss your specific situation and vehicle type, to see if there may be other ways to save money on your auto insurance rates. Speaking directly with an insurance agent is hands-down the best way to make sure that you get comprehensive insurance coverage at the best possible price.

Contact us today and we will gladly refer you to qualified insurance agents in your region that will be able to provide you with fast, free auto insurance quotes. Don’t delay, start saving today!

The right auto insurance plan for ALL makes and models!

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