Great Tips to Help you save Money on your Car Insurance premium

Being a driver i know how expensive it can be to get car insurance, so I was searching online for great tips to help all my blogging friends save a good deal of money on their insurance coverage.

So many different ways to save when it comes to car insurance and it's important to put in the proper time to look into your options and how you can save money off your car insurance policy with out giving up good coverage

Here are a great deal of tips i found that will help you get amazing prices when you are shopping for car insurance out there.

Multi-car

If you have more than one vehicle, having them all insured in one policy with the same company often qualifies you for a multi-car discount of 25% per vehicle on average.

Be aware that each car must be registered in your name and driven by drivers listed on the policy.

Bundling

When you combine your car insurance with other types of insurance such as renters’ or homeowners’ policies, you can usually qualify for a discount.

Not to mention, it’s a heck of a lot easier to make one payment to one company.
New Car Safety Features

When considering your purchase of a new or pre-owned car less than three years old, remember that features like passive restraint systems (airbags, motorized seat belts) can save you even more money.

Because the inclusion of safety features in new cars can qualify you for a variety of discounts, check with your insurance carrier to see which ones you can claim on your policy.

Finally, keep in mind that it’s becoming increasingly common for insurance carriers to offer discounts for alternative fuel and eco-friendly models.

Safe Driver

Many insurance providers give discounts to drivers who voluntarily elect to take a defensive driving course.

In addition, if you have a clean driving record (i.e., no accidents or moving violations for a specified number of years), you can probably take advantage of additional savings.

Finally, if your new or old vehicle is equipped with safety equipment such as antilock brakes, an alarm system or running lights, you’ll save more.

Married Driver

For whatever reason, statistics show that married drivers have fewer motor vehicle accidents than single people.

As a result, car insurance companies – who take statistics very seriously when formulating their policies – often provide married driver discounts.

If you’re already married (tip: don’t get married just to save on car insurance), ask your insurance carrier for this discount.

If you’re a newlywed, be sure to combine your beloved’s policy with yours to save more (see the multi-car discount above).

Home Ownership

Like with marriage, owning a home apparently shows insurance carriers that you are now a responsible adult.

This perceived stability also suggests that you are a more careful driver and so voila!, the home ownership discount was born. Enjoy.
Currently Insured/Early Signing

Many insurance carriers will offer a discount if you switch to them before your existing policy with another provider expires.

By not waiting until your policy ends before signing with a new provider, you can potentially knock up to 10% off your bill.

Teen Driver

Yes, usually the younger the driver, the higher the premium, however if your teen gets good grades (above a B average) or attends college more than 100 miles from home (and doesn’t bring his or her car), you can somewhat offset the cost of adding a teen to your policy.

In addition, naming your teenager as an occasional driver of your least expensive car will help you save some money.

Finally, add your son or daughter to your existing policy to take advantage of multi-car discounts.

Other

Some additional discounts your insurance carrier may not mention include savings for those in low-risk occupations, people who belong to professional organizations or the military, and buyers who opt to pay the premium all at once through auto-pay, and/or using paperless billing.

Drivers over the age of 55 may also enjoy a senior discount.

Finally, it can’t hurt to inquire about loyalty discounts, which will vary depending on how long you’ve been a customer, and renewal discounts if you renew your policy in advance of the renewal date.

While certainly not exhaustive, the above list can put you on course to save on your car insurance.

It’s also important to remember that even a company that provides the most discounts may not necessarily offer the lowest auto insurance rates, so it’s important to shop around and compare auto insurance quotes.  more here - http://blog.mint.com/consumer-iq/8-car-insurance-discounts-you-need-to-know-about-0813/

I really hope you have gotten a good idea on what you can do to save money off your car insurance. A dollar saved is a dollar earned they say and I have to agree with that, cause saving alot of money means extra money  in my pockets :)

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Tips for a lower insurance cost for Young Drivers

Tips for a lower insurance cost for Young Drivers

Young drivers do not get affordable insurance all the time; this is because they are not familiar with their options and the ways to choose the right one. In this article you will learn some of the important tips on how making the car insurance premium lower.

Be good in school

Drivers who are still in school must get high grades all the time, because there are some insurance firms that offer affordable insurance premiums for young drivers with good grades. Smart people will less likely to get involved in an accident and this is quite real on the other hand.

Buy car insurance online

If you will buy a car insurance online, you will be charged less by the insurance provider. This is the truth that drivers must face these days. When you buy online, you will not spend a lot of time and you will not pay for an agent for helping you as well. You and the insurance firm will win when you buy the insurance premium online, they will also deduct some discounts, so you can buy affordable car insurance.

Don’t drive all the time

Do you know that the more you drive, the higher the risk you will get in engaging in an accident? The insurance firms do not like this at all. You have to be more conscious with the mileage you use yearly, so you will end up with more savings.

Buy an older and inexpensive car

The truth still remains that you are young and that you have still lots of years ahead of you, you can start with the basic car first before you upgrade to a lavish one. Expensive cars will cost more than the old modeled cars.

Pay your bills on time


If you will pay your bills on time, the insurance company will think that you are a responsible person and because driving is about being a responsible individual, you can get the sympathy of the insurance company. Insurance firms may give you an affordable car insurance meant for young drivers who pay their bills on time.