It pays to shop around. Remember that not all insurance companies are made equal and their auto insurance prices surely vary. Ask for price quotes from different companies for you to discover which of them charge higher or lower. Don’t settle on the company that approaches you first. By shopping around, you’ll be able to see the one that offers the lowest auto insurance quote.
It is also important that you avoid getting a speeding ticket. Why? It is because you’re driving record always matters when it comes to the price of your auto insurance. If you consistently get an over speeding ticket, expect your insurance rates to go up. So if you want to keep your rates low, drive safely and avoid speeding to maintain a good driving record.
While all of us are drooling over certain vehicle model, it isn’t really practical to get the car of your dreams when talking about auto insurance. Even if that sports coupe you’re dreaming of for many years now will be one of the coolest driving machines in town, you must stay away from it if you want to get the lowest possible auto insurance rates. The secret here is to settle on sensible cars or those travel buddies that aren’t on top or aren’t even included in the list of theft or accident reports.
It is also a good idea to avoid filing claims. Some auto insurance companies will not tell you this but once you file a claim on your insurance policy, the more likely your rate will go up. So to avoid high insurance premiums, stay away from filing a claim. Also, if you file claims over and over again, insurance companies will tag you as such and this will result in auto insurance price hikes.
And aside from giving you peace of mind, installing car security devices also gives you lots of savings on your auto insurance premiums. How? Well most insurance companies give discounts for every safety and security device installed in your ride such as automatic safety belts and car alarms.
Some of these devices come standard on several vehicles while most come optional and can be installed in your ride anytime you want to. They are widely available in most auto-part stores online and offline. There are also some sates that give discounts for some vehicle features like window sketching. So if you really want to see a difference on your insurance rate, equip your vehicle with as many car security add-ons as possible.