Almost everyone who drives a car is looking for cheaper car insurance. And it's no wonder. In many parts of the country the cost of car insurance can be well over $2,000 a year - and rising! The good news is there are simple things that almost any driver can do that will reduce the cost of their coverage - often substantially - almost immediately. See how many apply to you.
Keep your car in a garage at night if at all possible. If you can garage your car at night you'll pay less for your coverage.
If you pay your monthly premium automatically directly out of your savings or checking account you'll also save money. It costs your company quite a bit of money to prepare and mail your statement every month, so if you save them that expense they are more than happy to pass a good portion of that savings along to you.
Buy a simple steering wheel locking device and use it regularly. Let your agent know about it as using such a device can often save you several hundred dollars a year on your car coverage.
If you are married be sure that you list the wife as the primary driver of all vehicles and the husband as the secondary driver. Women pay less for car insurance so listing the wife as the primary driver will save money.
Driving less also saves money. If you join a carpool at work, cutting your rush hour driving in half or less, you can save a tremendous amount on your premium every single month - not to mention the savings on wear and tear on your car.
Increasing your deductible will save you money the instant you do it. Just bear in mind that if you should ever have a claim you'll have to come up with your deductible out of your own pocket or purse, so don't make promises you can't keep.
We've saved the best for last. The best way to save money on your car insurance is to buy your policy online. I can't stress enough just how huge your savings can be if you buy your policy online. For many drivers the savings is 30% - or even more!
Online brokers have almost no overhead. That by itself would save you a lot of money. But in addition to low overhead, online brokers also have a tremendous amount of competition. And the more competition there is in a marketplace the lower the prices tend to be - and online car insurance is no exception.
The savings are truly incredible when you buy your policy online, so if you listen to nothing else that I've said in this article, remember this one thing: Buy Your Policy Online And You'll Save a Bundle!
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