No matter if you are a first time car owner, or a driver with many years of experience under your belt, getting cheap car insurance rates is a high priority. Let’s face it, money is tight for many people right now, and even saving a few hundred dollars a year on car insurance could make a huge difference.
So how do you achieve this? Luckily, we’ve got you covered, as our team of auto industry experts have compiled the top car insurance tips for your viewing pleasure.
Pay in one lump sum
The first thing you should know about car insurance rates is that paying in one lump sum will always save you money. However, most drivers decide to pay in monthly installments, which works out more expensive in the long run. If you have the cash available, then you should definitely pay all of the money for 12 months upfront.
Some of the best car insurance rates can be found online, mainly due to the lower overheads incurred by insurance companies operating on the internet. With this in mind, it’s always a good idea to begin your search online, preferably with a car insurance comparison website so you are able to look at all the offers side by side.
Contact your current provider
One of the easiest ways to save a bundle on car insurance rates is to contact your current provider and ask them about any discounts. Most people overlook this rather simple step, but that’s probably because it’s largely unknown that many drivers are eligible for car insurance discounts. At the end of the day, you don’t have anything to lose by asking.
Advanced driving courses
In this day and age it seems like everybody is a maniac behind the wheel, which is no doubt why car insurance companies charge so much. It doesn’t have to be this way though.
For example, if you are prepared to spend a few hours a week taking an advanced driving course, then after about 12 weeks you will be awarded a certificate that entitles you to discounts on your car insurance rates. Not only that, but this also ensures that you become a safer driver on the roads, meaning you reduce the risk of being in a serious accident.
The tips above are just some of the ways you can save a bundle on your car insurance rates. Remember, you are not tied to any one company, so feel free to shop around until you find the cheapest deal.