How Much Is Car Insurance For A 16-Year-Old Per Month How To Save Big Bucks On Your Car Insurance So You Can Have More Money To Spend On Other Things

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How To Save Big Bucks On Your Car Insurance So You Can Have More Money To Spend On Other Things

1. Keep your driving record clean.

You will pay lower premiums if you have a good driving record. Here are some tips to help you drive more carefully:

* Always wear your seat belt.

* Drive at or near the speed limit.

* Never drink and drive.

* Avoid driving at night and in bad weather conditions as much as possible.

* Honk to get the attention of pedestrians.

* Use the horn and lights to get the attention of other drivers.

* Be careful when you hear other drivers’ horns.

* Confirmed by visual inspection and use mirrors and direction signals for all lane changes.

*Use four-way flashing lights to warn drivers behind of slowing down or blocked traffic to avoid being hit from behind.

* Be careful with big trucks, buses and vehicles with sharp turns.

* Watch out for cars pulling trailers.

* Watch out for drivers who stop or turn without signaling.

* Be aware of pedestrians in school zones or playgrounds.

* Watch out for cars rushing through the intersection at the end of the red light.

* Watch out for tailgating drivers. If possible, pull over and let them pass.

* Use caution when approaching and leaving four-way stops and unmarked intersections.

* Look behind you before exiting a parking space.

* Avoid using your phone while driving. If you must use it, pull over before doing so.

2. Choose the right vehicle.

When shopping for a vehicle, look for one with a good claims history. Vehicles that are less likely to be stolen or have a lower-than-average accident rate have lower insurance costs. Premiums tend to be higher than average for sporty or luxury vehicles. Also, because four-door models are safer than two-door models, premiums are usually lower.

To find out the top 10 most stolen vehicles in America, visit CarInsuranceIQ.com.

3. Raise your deductible.

You can save a lot of money by taking more risks on your own. Increasing your auto deductible from $100 to $500 could save you 10% to 20%. Remember, the lower your deductible, the higher your premiums.

If your insurance company offers a $1,000 deductible, you might even consider raising your current deductible to that amount to save even more money. You can then deposit this amount into a savings account and use it as your own insurance fund. If you haven’t filed any claims for a few years, you’ll likely have enough money from this savings account to pay your own auto claims.

4. Reduce insurance coverage for older cars.

If you own an older vehicle, consider collision reduction and comprehensive coverage. If your vehicle has a low book value, you may not even need collision or comprehensive coverage at all. Your vehicle may depreciate so much that it’s not worth the extra premium. Remember, your insurance company pays at most the book value, or “fair market” value, of your vehicle.

5. Keep your vehicle for as long as possible.

When your vehicle has more than 100,000 miles on it, you pay less in premiums because its book value has dropped significantly.

6. Take a driving training course.

Some insurance companies offer a 5% to 10% discount to drivers who complete a defensive driving course at an authorized driving school. So if you, your spouse, or an underage driver has completed a driving education course, apply to your insurance company for a discount.

7. Purchase multiple policies from the same insurance company.

If you purchase more than one auto insurance policy from the same company, you may be entitled to a multi-vehicle discount. You may also get a multi-policy discount if you buy two or more different policies, such as auto, home and life insurance, from the same company.

8. Ask about any discounts you are entitled to.

Check with your insurance company to see if you qualify for any of the following discounts:

* Discount on anti-theft systems. You may get a discount if your vehicle is equipped with a car alarm, ignition or other anti-theft system, as these devices make your vehicle more difficult to steal.

* Airbag discount.

* Discount on ABS.

*Discount on automatic seat belts.

* Good student and field discounts. If your teenage driving son or daughter gets good grades with a 3.0 average or higher, ask your insurance company for a discount. Plus, if your kids attend college more than 100 miles from home, you can save on Young Driver Insurance premiums if they don’t have a vehicle at school.

*Proven driver discounts. If you’re between the ages of 50 and 65, you may be entitled to an adult driver discount.

*Limited mileage discounts. If you drive less than 7,500 miles per year, you may receive a limited mileage discount.

*Carpool discounts. If carpooling, you may be entitled to a 5% to 10% discount.

* AARP membership and other age-related discounts.

*Professional related discounts.

If you follow the advice above, you can save hundreds of dollars a year on your auto insurance premiums. So use some of them now.To learn important facts about car insurance that you absolutely must know before getting a car insurance quote or buying a car insurance policy, visit CarInsuranceIQ.com.

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