#1. Keep Your Driving Record Clean
Even one speeding ticket can raise your rates as much as 30%. These tickets can stay on your record for up to five years. This also means that your rates will be higher for that long as well. That makes for one very expensive speeding ticket! Obey the speed limits, drive defensively, and don’t hotrod.
#2. Keep Your Credit Score High
Most companies are now using your credit score as an indicator of responsibility. They feel that those people with higher credit scores are more likely to keep their auto insurance in effect, drive more responsibly, and keep their vehicles maintained. While this is quite up for debate, keeping your credit rating high will help keep your rates lower.
#3 Take a Defensive Driving Class
Many of today’s insurance companies offer significant discounts for drivers who have completed a defensive driving class. You can find out more information about these classes from your local DMV. Many are offered at no charge and can give you a discount of up to 20%.
#4 Garage Your Vehicle
When you store your vehicle in a garage, there is less chance of vandalism or theft. Most companies will give at least a 5% discount for vehicles stored inside a securable garage. If you have special equipment, such as custom stereo systems or aftermarket parts, then it’s important to keep your vehicle secure, no matter where you are.
#5 Safer Cars Mean Lower Rates
If you want to save money on your auto insurance rates, then you certainly don’t want to drive a sports car. There are plenty of vehicles available today with added safety features, such as anti-lock brakes, daytime running lights, and airbags, that look stylish and cool. Several companies will also give you a discount with these safety features too.
A Final Thoughts
It’s time to get the lowest rates possible on your car insurance. Following the above tips will certainly give you a good start to a few more dollars in your pocket at the end of your term.
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