How can I get a discount on my car insurance? is what most car owner asks, they think that car insurance premiums are not beneficial because of the high insurance premiums they are paid without seeing in return, but when people get involved in an accident they start to realize the important benefits of having it.
One way to save on paying a high car insurance premiums is to know how to get a discount from an insurance company, below are some tips on how can you get a discount on your car insurance.
1. Shop around for the best price. Before deciding for a Car Insurances, make sure that you shop around for the best price. There is a lot of online free car insurances quotes to start with. But beware on a small or start-up insurance companies because it may give you a run around when the time comes that you need to file an insurance claim.
2. Increase your deductible. Increasing your insurance deductibles it will save up to 20% of the insurance premiums when you drive without accidents for a couple of years, this will be enough to pay for the higher deductibles for any future accident.
3. Reduce your car medical coverage into the minimum limit. If you have excellent medical insurance through your employer, there is no to have a double coverage especially when you always drive alone.
4. Skip collision and comprehensive coverage. Usually, if you have an old car or if the value of the car is, shall we say, a couple of thousand dollars, the collision, and comprehensive coverage are not that cost-effective. So, there’s no point of getting a collision and comprehensive coverage.
5. Maintain a clean record. Always maintain an accident-free driving record and avoid violations. Always have a safe driving habit.
6. Settle minor accident with another party. If you get involved in a minor accident, always try to settle the matter with the other party without involving police and both of your insurance company, so that you maintain clean records.
7. Buy a car with safety features. Most car insurances company offer discounts on cars that have life saving features such as airbags, anti-lock braking system, and seat belts.
8. Equip your car with an anti-theft device. An insurance company offers discounts for various anti-theft devices equip in your car such as the alarm system.
9. For students, keep their grades up. Many insurance companies give discounts for students that maintain at least “B” average grades the reason is that a better student is typically a better driver.
10. New status discounts. If you are single and getting married ask your insurance company to give you discounts on your new status because there is the insurance company that rewards married drivers as they see them as being stable and less likely to drive recklessly.