Getting cheap auto insurance quotes can be something every insurance seeker’s dream. However, it can be something challenging too at the same time. You may manage to get affordable premium in the first year, but then you get surprised that your premium goes up at the renewal time. It’s sad but true. This is because your insurer may have different criteria than the previous year.
That’s why shopping around for auto insurance quote annually is always perfect for you who wants to have a chance to save more money from your insurance. To deal with this, you can try our tips to lower your auto premium below.
Limit your mileage
The number of miles you drive can be one of the factors used by your insurer to charge you. If you want to lower your car premium, it is suggested to try limiting the number of miles you drive every year. Then, give your provider a more accurate estimation of the mileage when you are shopping for a car insurance quote.
Try to pay your premium annually
Paying your premium monthly might be convenient since you won’t feel like you pay such a big money at once. However, if you do it in the long term, it can be more expensive than paying your premium up front annually. By paying in one go up the front, you can save a little extra money from your insurance.
If you increase your car’s security, there is a possibility that you will be rewarded with cheap auto insurance quotes. However, you may need to check whether your insurance provider will acknowledge it and consider it a good investment. In this case, you can consider devices like immobilizers, alarms or wheel-locking nuts to improve the security.
Improve your voluntary excess
Opting for higher voluntary excess when you are taking out a policy may reduce the rate of your auto insurance policy. But, you must remember that you may need to pay for the excess when you want to make a claim before the garage is going to give your car back.
Consider your “no claims bonus discount”
Insurance providers usually reward their customers who are claim free by decreasing their premium. That’s why building up “no claims bonus discount” is a good idea when you want to get a more inexpensive insurance quote.
Park with care
Whenever possible, make sure that you park your vehicle in a secure place overnight. When you are parking your vehicle off the road, it will decrease the chance of your vehicle being stolen or vandalized.
Think about the additional driver on your policy
Adding an extra driver on your policy can influence your quote too. Depending on your situations, you can lower your insurance rate by putting multiple drivers on your policy. But, if possible, don’t add someone under 25 since it may make your quote more expensive.
That’s all some tips to get cheap auto insurance quotes. Remember to try all of these tips above whenever you want to lower your car insurance quotes.