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When shopping for a car insurance policy, you want to get the best deal for your money. The vast majority of people shopping for car insurance are looking for the cheapest premium. Before buying a policy, it is recommended you do some research and shop around to get more than one quote before making your decision on a company. This can be confusing, especially for first-time car owners. However, there are some things you do to keep your car insurance costs down:
Search Online
Some car insurance companies offer a discount on your policy if you get apply for coverage and buy your policy online. It might pay off to do your research and compare quotes online before calling an agent to ask about your options.
Drive carefully
Safe drivers can pay up to 45% less on car insurance premiums. If you have a history of no claims, your insurance company is taking a lower risk to insure you and can offer you a better deal. These incentives are often called “safe driver discounts” or “no-claims discounts.”
Protect Against Theft
You can save up to 10% if you use anti-theft devices such as an alarm or an immobiliser on the wheel of your car. Also, be sure your agent knows you regularly park your car in a garage or a secured parking area. In order to avoid tempting car thieves, you should remove your GPS device or detachable stereo cover when you are not in your car.
Pay Annually
If it is possible for you to pay your car insurance premiums annually, companies will often charge you less than if you paid on a monthly basis. Additionally, insurance companies sometimes offer a discount of 5% to 10% if you pay your premiums with an electric funds transfer.
Safety Equipment Discounts
Some car insurance companies will offer discounts of up to 30% if your car comes from the factory with motorized seatbelts and airbags. Car owners with a car with anti-lock brakes can also receive discounts of up to 10% on their monthly premiums.
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