There are definitely only very few places where you can drive lawfully without any form of insurance. But even though we can’t argue about it’s usefulness, the extra burden it is makes us wish to go without. Since doing without is NOT an option, we have to go for the next best thing: Buy adequate coverage at the barest minimum cost. I present to you five sure-fire ways to ensure you pay less without losing adequate coverage…
1. Don’t add a personal injury coverage to your auto policy if your health insurance policy already takes care of that — That’s duplicating coverage. For places where an auto policy must include it, make it the bare minimum since you already have this covered in your health policy. Why should you pay higher rates that will NOT translate to more benefits?
2. Statistically, women are safer drivers. Therefore, if you’re married, buy your auto insurance policy in the wife’s name and let the man be listed as a secondary driver. Although this might not go down well with some men folks, it will help reduce what your family pays for auto insurance.
3. If you can, take a course in defensive driving because this guarantees a good discount from most insurance carriers. The reason for this discount is the simple fact that drivers who complete such courses have a better response behind wheels. If you fall into one of those age brackets that are considered high risk, then you certainly will benefit from this type of course. Over the course of, say twenty years, you’ll definitely save several thousands in premium dollars for being certified a defensive driver. Therefore, do your best to get trained in defensive driving from a recognized center. Finally, make sure your insurer is informed once you are certified so you can enjoy well-deserved lower rates.
4. Never leave your car unlocked and running while you dash in to get something. The only easier thing for a thief would be if you handed over your keys as a gift. Car thieves are known to go for easy targets. And what could be easier than a car that’s ready to be driven away — It takes just seconds.
5. Do you know that some folks are paying much more in auto insurance because of where their homes are? Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.
Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. The truth is that most people don’t think about this when they are about buying a home.
But think about it: If your new zip code adds up to $275 to your annual auto insurance rate, how much would that amount to at the end of your 30-year mortgage?
How much will you save? $100, $200, $300, $400 or even a lot more? Discover how much by getting and comparing quotes using these sites: compare auto insurance and auto insurance comparisons. Chimezirim Odimba gives away proven tips for savings on insurance.
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