Combine the more volatile weather with empty pockets due to Christmas and we get an instant urge to save on one of the most important but significant expense coming out of our bank accounts every month.
This is car insurance.
These 5 tips will get you a long way to saving hundreds of dollars on your auto insurance every year.
It’s not that hard to lower your insurance rates, and by implementing these few ideas into your insurance process, you should be able to save big and cut costs where you don’t need it.
Maybe you can even start saving for next years Christmas presents.
1. Do Not Only Look At Price
A lot of people new to buying insurance fall for the common idea that the cheaper the cover the better.
It’s important that you understand that this is not always the case. Whilst saving some money on your insurance is important, it’s more important that you have the right amount of cover so that when the time comes to claiming on your insurance, you’re not left out in the cold.
Comparison sites are great when it comes to getting a reasonable price for the coverage you need. You can put in some filters to hide the policies that don’t fit your bill, and the policies that don’t fit your specifications.
What you are left with will be all the policies that are suitable for you.
2. Don’t Go For Optional Excess
Whilst compulsory excess has to be paid for any insurance policy.
Most insurance companies also offer you a trade off between excess and premium. You can opt in for an optional increase in excess and in return, the insurance company will give you a better rate for your auto car insurance.
Whilst doing this will give you a cheaper policy, it is rarely worth it, and in the event of an accident, you will need to pay this extra excess in order to make a claim.
3. Don’t Get Stuck With The Same Insurer
When it comes to car insurance, it’s easy for people to wind up using the same car insurance providers for years on end, simply because they don’t want the hassle of having to move elsewhere. This is a mistake, and a change in providers can save you a lot of money every month.
The best deals are usually only for new customers.
4. Add Someone More Experience
Sometimes adding someone with a bit more experience under their belt can actually lower your premiums. This is because it means you are sharing the car with that driver, and not driving it all the time yourself.
5. Read Up Yourself
If there is something you don’t understand about a policy, you need to read up on it before making any decision. Something that you don’t understand in your policy could be the difference between a successful claim and one that doesn’t get approved.
Who Else Wants to Save on Auto Insurance?
If you would like to save money on your car insurance there are 2 ways to get started.
Get free PA auto insurance quotes by clicking the link and answering a few simple questions. You can also call 800-821-2436 x1 today and find out how much you can save!