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Five Tips for Lowering Your Monthly Auto Insurance Rates

Five Tips for Lowering Your Monthly Auto Insurance Rates

lowering your monthly auto insurance
In all 50 states, it’s illegal to operate a motor vehicle without insurance. But you probably knew that already.
What you might not have known is that you don’t necessarily have to pay what the insurance company says you have to pay for your rate of coverage. In fact, there are plenty of ways to lower your monthly fees on auto insurance.

Find out Some of the Tips for Lowering Your Monthly Auto Insurance.

For example, it might help to…

Look for the cheapest rates.
This one might seem like a “duh!” answer, but we promise it’s actually a lot more helpful than you think. Depending on where you live, you can always opt for a less involved plan, which typically means less coverage but also lower monthly fees. Find out what the minimum level is, then opt for that if you’re really trying to pinch your pennies.

Drive a more conservative car.
No, this has nothing to do with your ride’s political beliefs. We’re talking about avoiding sports cars and other flashy vehicles that can rack up higher car insurance coverage fees because of their more muscular engines. Stick to the tried and true — a nice sedan or something more modest — in order to pay less every month for insurance.

Drive safely.
Easier said than done, right? But the benefits of abiding speed limits, parking signs and other rules of the road will help you get auto insurance quotes and rates you can actually afford. The more points you have on your license, the more your rates are bound to increase, so keep your foot off the gas — or set it to cruise control — and see what kind of difference it makes on your monthly bill.

Enroll in safe driving courses.
Some insurance providers offer the best auto insurance rates possible to those drivers, especially new teenage drivers, who have successfully completed a defensive driving class or other informative session. Talk to your agent about the potential discounts you or the young driver(s) in your family can receive. The sooner they enroll, the sooner your rates will likely drop.

Beef up safety and security for your car.
Sometimes, the best route to affordable auto insurance quotes is to make your car as safe to drive as you can. That means ensuring working airbags, seat belts and brakes, as well as installing anti-theft devices and security systems for when you’re parked. These can help you get auto insurance quotes you can actually afford, as opposed to those that continually burn a hole in your bank account.

Of course, the best way to get auto insurance quotes that look appealing to you is to talk your local insurance agent. He or she will know all the tips and tricks, so don’t be afraid to pick up the phone or schedule an appointment to meet in person.

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