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5 simple habits that could lower your auto insurance costs

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You can save a lot on your auto insurance costs by tweaking some simple habits. That is why you need to give it a hard thought and see how you can bring down the monthly premiums that you pay on your auto insurance. It may seem like a small amount, but over the years it will amount to something substantial if you can save every single penny that you can on auto insurance premiums. Here are some simple habits that will prove effective in bringing down your auto insurance costs. 

Take care of your credit history 

It may seem totally out of context in the beginning but you must realise that every auto insurance provider looks at your credit history before determining the premium that you should pay for the coverage you are asking for. A good credit history indicates that you are responsible and not reckless, two characteristics that go a long way in guessing if you would be involved in accidents or claims in the future. Someone with excellent credit would also pay premiums on time, thereby providing an added incentive to the insurance companies to give a discount. 

Don’t claim for small damages 

It is better to let go of minor damages, dents and brushes instead of claiming for everything. This is because the more number of times you claim, the higher your auto insurance premium will go up. Coverage will cost you a lot more than what it would have if you didn’t make any claims. So if the cost is less, the insurance claim isn’t worth it. 

Take care of your grades 

If you are a student, try to get good grades. Insurance providers favour students who act sensibly and get good grades at school and college as they are also less likely to be involved in rash driving and accidents. 

Drive as less as possible 

Walk if you are not in a hurry to nearby places. Use public transportation as often as you can and go for car pooling with friends. This will not only save fuel but also your insurance costs as these habits bring down the mileage and thereby the risk of you being involved in accidents. 

Follow traffic rules 

Don’t break traffic signals and never exceed speed limits. Traffic violations cost you more than just the penalty that you are charged on the spot. So try to keep your driving record as clean as possible.