Check the following pro tips for lowering car insurance rates and get free auto insurance quotes online!
- Install anti-theft and tracking devices. Most of thieves are lazy and they can be easily discouraged, with a visible mechanical locker. Typically they prefer easy targets. But even professional thieves have a well-honed instinct of self-preservation. If they can choose between a car that is hard to break in–or can be recovered quickly and one that does not have an anti-theft system, they will certainly go for the first option. Insurers know this and offer discounts of up to 35 percent on comprehensive insurance premiums to policyholders who have an approved theft protection system installed.
- Consider switching to Usage Based Insurance. If you’re a safe driver who doesn’t driver very many miles per year, consider a usage-based insurance program, By signing up for these programs, you allow your insurer to track your driving electronically in exchange for possible discounts, based on how much you drive, when you drive and how well you drive. If you drive less than 10,000 miles per year, you might be able to save a lot of money with a mileage-based insurance program.
- Graduate defensive driving courses. Unlike like insurance policies, if you are very young, you will be charged extra. Teenagers are asked to pay more because they are considered high risk drivers, due to lack of experience. But you can easily lower the rates if you enroll in defensive driving courses and you successfully graduate them. This will prove that, even if you do not have the experience, you have the skills of a competent, careful driver.
- Be a loyal customer. Most clients prefer to buy one or two policies, in order to extend coverage and protect the vehicle against multiple factors. If you decide to purchase several policies from the same company, ask if they provide discounts for loyal customers.
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by Ciprian Gurgu