There are many things that go into figuring out how much you pay for car insurance, so there are many ways to lower your rates.
If you switch jobs and have to drive a different route to work, stop working, or work from home, you should let your insurance company know.
If your teen driver goes to school more than 100 miles from home and doesn't have a car, you should be able to get a discount.
If you're in your teens or twenties and you get married, call your insurance company and ask about combining your policies.
If your state lets you, take a course on defensive driving to get a discount.
Check to see if raising your deductibles for comprehensive and collision will save you a lot of money. You should look at how much you're saving versus how much more you'll have to pay if you make a claim. For example, if you switch from a $500 deductible to a $1000 deductible and your insurance goes down by $50 every six months, you save $100 a year.
When you compare how much you are saving to how much more you have to pay, it will take you 5 years to break even.
Now, it would be more worth it if it saved you $250 every six months.
Check with your current insurance company to see if you can get a discount for having more than one policy with them. This could be a pretty big deal.
Shopping around for insurance is one of the best ways to save $200 to $500 or more a year. There is a lot of competition in the auto insurance market, which is good news for smart shoppers like you. Here, you can get quotes for auto insurance and see how much you can save.
A. Chris Tijerina has worked in the auto insurance business for more than three years and has seen many different people deal with problems related to auto insurance. Many of the questions that drivers have today are answered on http://www.insurance-for-cars.com.
