5 Steps To Take To Lower Your Car Insurance Rates Into The Future
There are certain components you can't control when it comes to lowering your car insurance. For example, you can't control your age or gender, two important factors that can impact your car insurance rate. However, there are steps you can take that will help lower your car insurance rates both now and into the future.
Step #1: Keep Your Driving Record Clean
First, make sure you keep your driving record clean. In order to keep your driving record clean, all you really need to do is follow the laws.
That means coming to a full and complete stop at every stop sign and light. That means using your turn signal whenever you make a turn or whenever you change lanes. That means following the posted speed limit.
Following the rules when you drive is the most proactive thing you can do in order to keep a clean driving record. Having a clean driving record will help lower your insurance rates.
Step #2: Bundle Your Insurance
Second, you need to bundle your insurance policies together. Most people need more than one insurance policy, be that a second insurance policy on your home or renter's insurance. Or perhaps you need another insurance policy for your boat or your motorcycle.
Bundling your insurance policies together will help you enjoy a lower rate on both insurance policies.
Step #3: Adding Someone Else to Your Insurance
If you live with someone else who also carries their own car insurance policy or other types of insurance policy, you can add them to your policy.
If they have a good driving record, bundling your policies together could help you save some money on your insurance policy.
Step #4: Pay Your Policy in Full
Your insurance policy renews every six months. When it renews, you can generally save some money by paying your insurance policy in full instead of paying it out over six monthly payments.
You can often get another small discount if you sign up for auto-payment as well. This discount may be small, around five to ten percent of your total bill, but every discount adds up.
Step #5: Keep Your Insurance Coverage Active
Finally, make sure you always keep your insurance coverage active. A lapse in your insurance coverage, even of a single day, can greatly increase the cost of your insurance coverage.
When it comes to lowering your car insurance rate, you need to keep your driving record clean, bundle your insurance policies, pay your policy in full, and keep your insurance coverage current.