Jan 23
5 More Ways to Save on Your Car Insurance
Yesterday I gave you five ways to save on your car insurance and today, you get another five! Here they are:
* Pay premiums in advance. If you’ve got enough money to cover it, you can pay your yearly premium in one lump sum and pay less than if you broke it up and paid each month. Every company offers discounts if you pay up front.
* Just ask. Many companies offer discounts but don’t advertise them. Ask your insurance agent what discounts are available and see if you qualify.
* Pick your car carefully. Different cars incur different rates. It’s based on statistics-which model is most often stolen, which costs more in a collision, which needs repairs more often-and it’s not necessarily intuitive. Ask your insurance agent which cars are the best for low insurance costs the next time you’re in the market for a new car.
* Check your credit report. If there are mistakes on your credit report or old information that hasn’t been removed, it could raise your rates. Check your three credit reports each year to make sure that yours is up to date.
* Join the club. A number of trade and industry groups offer insurance at a discount. If you belong to any organizations, check and see what they have to offer.
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