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Four Quick Fixes for Cheaper Car Insurance Premiums

There are four quick and easy things you can do to get cheaper car insurance premiums.

1. Start with the car you drive. If you are in the market for a new car, consider how much it will cost to insure along with the price tag on the window. Generally older, safer, and smaller to mid-size sedans are the cheapest to insure. Steer clear of the flashy, expensive sports cars. Also look into hybrids. Many insurance companies offer discounts for their customers who go green.

2. “No Claims Bonus.” Talk to your insurance agent about “no claims bonus years.” Generally if you have gone five or more years without a claim, you could qualify for a car insurance discount. Every agency is different but it’s worth asking about. This goes along with maintaining a clean driving record. By showing you have less risk; you can be rewarded with cheaper car insurance premiums.
 
3. Pay your premiums all at once. If you are able to pay your car insurance in six month or one year installments, you could avoid paying extra billing charges. When payments are automatically deducted from a bank account or you pay your insurance premiums online, you can also qualify for discounts. When an insurance agency has to put more money into getting a payment out of a customer, they pass the costs on to the customer. Save them this hassle and cost and you could save some money.

4. Improve the security of your car. By reducing the risk of a claim, you can reduce your insurance premiums. You can install security or alarm systems. You can park your car in a garage. Be sure to talk to your insurance agent about what you can do to improve the security of your car and how much savings this will add up to before making any investments.