10 Ways to Lower Your Car Insurance Costs

With the price of just about everything increasing, everyone is looking for ways to save. Maybe you skip your morning stop at the coffee shop or bring your lunch to work. One way to save that many people forget about is saving on your car insurance.

Compare Car Insurance Rates Every 6 Months
If you check your car insurance rates in January, make sure your check them again in July. Tickets or no tickets, you're a different driver than you were last summer. Get updated quotes and see what your individual savings could be.

Raising Your Deductible Can Save You Money
Simply put, the higher your deductible, the lower your premium. Indeed the cost of an accident will be that much more expensive; however, if the damage is minor, you'll be spending the same out-of-pocket amount regardless.

Don't Pay in Monthly Installments
Additional administrative fees are commonly applied to payments when you split your premium in to installments. A monthly fee of even $7 can add up to $84 over 12 months.

Insure Your Home and Car with the Same Company
One of the most under utilized car insurance discounts is the multi-line insurance policy: buying your auto insurance and your homeowners insurance from the same insurance company. According to the Insurance Information Institute, a multi-line policy can save you up to 15% on both premiums.

Good Driving Equals Lower Rates
Most insurance companies reward good driving with lower premiums. In fact, in some states a good driving discount is required by law. If you haven't had any accidents or tickets in the last three to five years, compare car insurance quotes to find savings.

Don’t Pay More Than You Have to for a Ticket
Unfortunately moving violations are an accurate reflection of your liability to a car insurance company, and your rates will be affected accordingly. Even if you have a ticket on your driving record, you might find a reasonable rate with another company.

Safe Cars Mean Car Insurance Savings
Many companies offer discounts for various safety features on your vehicle, including air bags, alarms, factory-installed mechanical seatbelts and antilock brakes. In getting updated insurance quotes, be sure to indicate such safety features to benefit from available discounts.

Eliminate Unnecessary Coverage
You may be paying for coverage that you don't need. For example, you may be a member of an auto club that provides towing services, yet you're also paying for towing on your auto insurance policy. Look for opportunities to eliminate unnecessary coverage.

Good Grades and Your Golden Years Can be Insurance Savings
Students currently enrolled in school often receive a discount on auto insurance for good grades, as many companies feel conscientious students make conscientious drivers. Similarly, insurance companies are known to value the wisdom of an experienced driver, offering discounts to drivers over 50 as a result.

Pay Less for Driving Less
Has your commute to work changed? If you’re driving less miles to get to work, notify your car insurance provider about qualifying for their low mileage discount.

Visit www.InsWeb.com to compare auto insurance quotes from top providers today.

I pull out all the stops to sell your home.
Lonnie Snyder
Keller Williams Realty Southeast Sound
Phone: 206-406-2710
E-Mail : snyder@kw.com
Website: http://www.callsnyder.com
Blogsite: http://renton-real-estate.blogspot.com
Lonnie Snyder is a full time real estate agent and REALTOR® with Keller Williams Realty specializing in Residential Real Estate for buyers and sellers in Washington’s Kent, Renton, Newcastle and South Bellevue.

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