Six Tips to Save Money on Car Insurance
Have you been asking yourself how to save on car insurance? Well, we’re here to tell you that saving on car insurance
might be easier than you think. To find the best car insurance
at the right price, follow the steps below:
1. Compare Car Insurance Quotes
One of the best ways to find the right coverage is to compare car insurance
quotes. You can do this by first researching companies to see what they offer. Then, you can get online quotes and start comparing their prices. You can also find out more about what your insurance company offers by calling them and asking about their benefits.
2. Increase Your Deductible
By raising your deductible, you’ll decrease your annual premium. So, if you increase your deductibles from $1,000 to $1,500, you’ll lower the car insurance premium
you pay each month.
3. Bundle Your Home & Auto Insurance
In many cases, insurance companies offer you ways to save by bundling your car and auto insurance coverages. In fact, with our home and auto insurance bundle
, you can save up to 5% on your car coverage and 20% on your home policy.**
4. Maintain a Good Credit History
Insurance companies look at your credit history and score when deciding on your insurance rates. This means that a better credit history will give you lower insurance costs. So, if you always pay your credit cards and bills on time, then you’ll likely get lower rates.
5. Keep a Clean Driving Record
We like to reward safe drivers. That’s why maintaining a clean driving record is essential for keeping your auto rates low. However, with coverage from the AARP®
Auto Insurance Program from The Hartford,1
you can receive safe driver discounts
like our accident forgiveness
This helps you avoid a surcharge on your policy after your first at-fault accident as long as all drivers on your Hartford policy have a clean driving record for five consecutive years.
6. Seek Out Other Car Insurance Discounts
Driving a car with safety features, such as air bags
Taking defensive driving courses
Driving hybrid or electric vehicles
Paying your premium in full, instead of monthly
Keep in mind that if you have multiple cars to insure, then you may also qualify for multi-car discounts.
How to Save on Car Insurance
To learn more about car insurance and find out your cost, get a free online car insurance quote
from us today. You can also speak with our representatives at 888-413-8970
. They can help answer any questions you have about coverage and find you discounts that can help you save.
Common Questions About How to Save Money on Car Insurance
Can You Negotiate with Auto Insurance?
Generally, you can’t negotiate car insurance rates. However, you can find ways to qualify for discounts to apply to your rate.
Does Car Insurance Get Cheaper as Cars Get Older?
Have you been asking yourself “when does car insurance go down
?” The price of coverage typically decreases as you age, but not necessarily as your vehicle gets older. So, a 25-year-old will likely pay more for coverage than a 45-year-old, but older vehicles don’t always get lower rates. Some reasons for this include:
Older cars tend to be less maintained
Your insurance carrier will have to pay the same amount for injuries in an accident, regardless of the age of your car
As a vehicle ages, safety features get worn out, like brakes
It’s also important to keep in mind that the type of car you drive impacts your rate. More expensive vehicles cost more to insure than cheaper ones. This is because your insurance company will have to pay more to repair them after an accident. You can figure out how much your car is worth by looking at the Kelley Blue Book.
Does Being Married Save Money on Car Insurance?
Wondering how to lower car insurance
and if marriage impacts it? In many cases, auto insurance rates decrease after marriage. This is because married couples are often less reckless behind the wheel and more mature, so companies will lower the rates. However, both individuals need to have a good driving record and credit score. Otherwise, your rates may increase instead.
Get a Quote & Start to Save on Car Insurance
So, how can you save money on your car insurance? The best way is to find the right deals, discounts and benefits. To learn more, get a car insurance quote
from us today. You can also call us at 888-413-8970
to see if we offer discounts for your policy.