In any case, what happens when car insurance is too expensive? At Your Auto Assistant, we got a few tricks that we think will help you out.
When buying a new car along with fuel efficiency, repair costs, and car models insurance rates can vary depending on your circumstances. Regardless, we advise that you call first with your insurance company and lender. This way you can get as much information as possible about insurance. Ask your lender what deductibles you will need. Furthermore, you ask your insurance company the cost of said deductibles. When you everything is on paper, maybe you will see things much more clearly. But what about reducing the cost of insurance itself?
Many insurance companies offer many discounts. Therefore, it is always a great idea to get a quote from the companies you are looking at and check off all the discounts that apply to you. That way you can find out how much you save, in addition to finding the best course of action for you.
Just knowing your rate is not enough; you need to go out of your way and find these discounts. In addition to just bundling or insuring multiple vehicles under one policy, you can always tack on discounts. Depending on your insurance provider, there may be different types discounts offered so it’s good to be familiar with your provider.
Some of these discounts may include:
- Driving School certification program
- Good Student Discount
- Defensive Driver
- Resident student
- Low mileage
- Active-duty military and veterans
- Car alarm system or other safety equipment (airbags, brakes, headlights)
- Paid-in-Full or Prepay
- Occupation and member
- Early Signing
- Distant Student
- Paperless billing/automatic payment
Write down everything that applies to you and go get ‘em! Ask for the discounts even if the insurance company doesn’t list them on their website; just don’t pay extra for nothing! Check out our Finding Cheap Policies Checklist post for additional information to lower your insurance costs.