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See Other Overviews Boat Insurance Business Insurance Health Insurance Home Buyer's Insurance Life Insurance Motorcycle Insurance Renter's Insurance RV Insurance Travel Insurance		10 Ways to Reduce Your Car Insurance and Save Money When you enjoy the benefit of having a car, you also want to know that you are getting the car insurance coverage you need - at an affordable price. People today are feeling the need to be more cost conscious than before, and it certainly pays to reduce your auto insurance too. Here are 10 practical ways you can reduce your car insurance costs and save money.
Links to Some Major Auto Insurance Companies State Farm Allstate Progressive Geico Esurance Home Page	1. Get Several Auto Insurance Quotes and Compare You will want to start out by getting several auto insurance quotes. You can easily get these in just a few minutes online. Once you have your quotes, then you can compare auto insurance policies and see which one really is the best deal for your needs. 2. Avoid Most Wanted Cars by Car Thieves  Every now and then you will see lists in the news that talk about the Top 10 Most Stolen Cars in America - or something like that. By not buying one of these cars, you can keep your auto insurance lower than what someone will experience who buys one of them. The auto insurance company has to dish out replacement money when one of these is stolen and you can be sure that they will try to recover some of their money in the premiums on the owners of those cars. While the cars may be nice - the costly premiums are not. 3. Have More Than One Policy with Same Insurance Company You can usually get reduced rates when you have more than one policy with an insurer. So, if you have a homeowner’s insurance policy with a particular company and have had it with them for some time, you want to ask them for an auto insurance quote. Be careful about transferring to different insurers too often, however, because by staying with an insurer over the years you can get another discount. 4. Keep a Good Driving Record Keeping your car under control - and yourself - can bring rewards like decent auto insurance payments. Keep a clean record and it will help you enjoy the benefits each month. 5. Keep Your Credit Score High Around 90% of auto insurers will look at your credit report in order to determine your costs. If you have not seen your credit report lately, you may want to get a free copy from the credit bureaus and look it over. Mistakes are often found on credit reports and it could cost you plenty. Besides, fixing a bad credit report may also enable you to get better interest rates on other things when you need them, too. 6. Add Devices for Increased Security Security devices make it harder for thieves to take your car. Generally, the more you add the more your insurance company will like it. Talk to them about the best devices to add and see your rates come down. 7. Remove Comprehensive Coverage on Older Cars If you have an older car, then you may want to drop your comprehensive coverage on your car. This coverage is for the replacement cost of your car if it is damaged in some way other than in an accident, or stolen. After your car gets about 8 years old, you are paying more each year in insurance costs than what the car is worth. You will do better if you bank it and collect interest on the money. 8. Swap a Newer Car for an Older One Driving a new car could be another reason why you are paying more in car insurance than you need to. A quick way to save a lot of money would be to trade it in for an older model. You do not have to have the latest model and you can save money with a lower insurance premium each month. 9. Complete an Approved Driver's Education Course If you have not had a driver's education course, then you will want to get one soon. This training will let you get reduced auto insurance rates and help you be a better driver, too. 10. Pay Your Car Insurance Premiums Quarterly or Annually When you pay your car insurance bill on a monthly basis, you could be charged three or four dollars each month for the "privilege." By paying quarterly, semi-annually, or even annually, you will save money on your car insurance. Article by Mike Valles. Keywords: auto insurance, auto insurance quotes, auto insurance rates, auto insurance premiums, auto insurance company, car insurance, car insurance quotes, discount car insurance Links: Auto Insurance - An Overview 10 Most Costly Mistakes People Make; by Darryl Lee. Women & Auto Insurance: What Women Should Know About Buying Auto Insurance; by Lori Mandell. How Much Auto Insurance Do You Need?; from SmartMoney. Choosing the Right Auto Insurer; from SmartMoney.
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