Affordable Insurance

Practical things that can be done to reduce auto insurance premium?

Although many factors that affect your premium that are difficult to change, such as where you live, drivers of the vehicles, your age or marital status, there are things that you can do to lower your insurance cost. When purchasing a vehicle, be aware that the type of car does affect the comprehensive and collision rates. A cars crash test results, price of replacement parts, ticket & wreck information on certain makes and models all affect auto insurance pricing. Your driving record, such as accidents and violations, can also affect your premium. It is important that you and all drivers in your household understand the implications of bad driving habits. Allstate and Progressive are now tracking daily driving habits using products that plug into your car and give feedback on a customers speed, hard breaking, and periods of the day the customer drives that may be more congested to help with factoring in the risk and price.

Having more than one vehicle on the same policy can give you a multi-car discount, and many companies will give you a discount for bundling your auto and homeowners with the same company. Increasing your deductibles will save you money on your comprehensive and collision coverages, and if you have an older vehicle, it may be worth considering whether you need these coverages. Taking an approved defensive driving course can reduce your premium. There are also safety devices on vehicles, such as air bags, anti-theft devices, gps tracking, and anti-lock brakes that can discount premiums.