Shopping around for car insurance is time consuming and a pain. Thankfully, there are ways to minimize costs when you?re looking for comprehensive car insurance. Below you?ll find tips to minimize your car insurance cost.
Shop around
Using an online comparison site like iSelect can?save you money. Settling for the first quote is a big no-no!?iSelect?aims to save its customers money and time by offering an easy way to compare car insurances. You can also get a free quote! If you?re already insured, you can use the site to compare your insurer?s quote to others.
Be a good driver
If your driving record is clean, you?ll end up paying less to insure your car. Insurers will use your driving record and claims history to evaluate your risk level. The higher the risk, the higher the premium ? that?s just one more reason to be a safe driver!
Be stingy with your car
You can still give friends a ride, just don?t let them driver your car. Allowing others to drive your car can bump up your premium, especially if they are under 25 years old. Younger drivers are considered more likely to get into trouble. Let your insurer know that you will be the only one driving the car to get a lower premium.
Bundle your insurance
If you have other types of insurance, you may be able to get additional discounts.?iSelect not only allows you to compare car insurance, but also health, life, home, and travel among others.?iSelect?even provides a glossary to help you learn the lingo so you can make an informed decision.
Drive a car that?s cheap to insure
If other drivers of your model file frequent or expensive claims, insurance rates for your car will be higher than average. Before buying a car, make sure to research the average premiums for cars.
Keep your car in good condition
Visiting your mechanic regularly can pay off and save you money in the end. You want to maintain your car to avoid mechanical problems that can affect a claim.
Move to a better neighborhood
If you live in a?neighborhood with high rates of vandalism,theft, or car accidents, expect to pay more for your insurance. Keep this in mind if you plan on moving. If you don?t plan on moving, taking safety measures like installing a car alarm can earn you a discount.
Increase your deductible
If you?re willing to assume more risk, you can save a significant amount of money. Simply ask your insurer to increase your deductible. Make sure you have money stashed away to cover your out-of-pocket expenses in case of an accident.
Drop unnecessary coverage
If you?re driving an older car that?s worth less than $2,000, you might want to consider dropping your collision coverage. After all, what?s the point in insuring a car that may not be worth repairing?
Ask about other discounts
You might qualify for discounts for being accident-free, renewing your policy, driving relatively few miles each year, or taking a defensive driving course. Be sure to ask about discounts.
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