5 tips to save on your car insurance
Are you a driver and think there is no way to save on your auto insurance premium? Nothing is further from the truth. Here are five quick tips that will help you pay less for the insurance you really need.
1. Your car can help you save
The model of the car you want to insure plays a role in calculating the cost of the premium. If you own a sports car that is rare on the market and at higher risk of being stolen, your insurance could certainly be more expensive. Instead, opt for a smaller, older or less fuel-efficient vehicle to lower the cost of the premium. The planet and your wallet will thank you.
2. Think about the lock
Regardless of the vehicle, insurers will normally apply a discount to your premium if you have a recognized intensive marking system or a known tracking system installed. Check with your insurer for more details on recognized models. Everyone wins, except thieves.
3. Compare your options
Shop around for the cheapest premium. Using this process also gives you a better understanding of what is available in your market. Insurer programs vary from year to year. The price offered by an insurer may change from year to year, depending on the programs in effect. And sometimes, it's just a matter of contacting your insurer to get a discount on your premium. When negotiating, remember to mention your membership in a club, association or professional order. Several insurers offer a discount to members of recognized institutions.
4. Get a custom made policy
Before you buy, assess the best coverage that meets your needs. If you see that coverage seems unnecessary, ask your insurer to have it removed from your policy. Always remember that the more coverage you have, the more expensive the premium. Also consider the annual mileage you travel with your vehicle. The less you drive, the less you will pay.
5. Drive safely
More and more insurers are offering "good driver" discounts. They reward those who have not made any complaints in recent years. Some companies also offer you to join programs that analyze your driving data. Our automerit program is a good example. These easy and simple ways not only save you money, but also help reduce the road toll. Driving better to pay less, we can only agree.
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