Auto insurance rate, you must believe, is not writing on the wall. Even if it is, you can manage to get a better one than what the standard rates expect you to pay. It is a very subjective and dynamic theory where the number of factors standing in your favour is weighed with respect to the number of factors weighing against you. Here are some steps that will help you get the best insurance rates.
Get protection for your car if you can afford it
Get as much protection for your car as possible. The safer your car, the lower the risk and hence better are the insurance rates that you will get. You can install anti-theft systems, navigation systems and a lot of other modern equipment specifically providing assistance to drivers.
Do not break traffic rules
This is an ongoing habit and you pay for a long time after you break the rules. So make sure you adhere to them. Follow lane rules, obey traffic signals, stick to the mentioned speed limits and most importantly make sure you are not taking the wrong turns or parking in the wrong places.
Negotiate better
There are a lot of factors that might be going your way. For example, cities with less population and better roads always get you cheaper auto insurance online than cities with bad roads or higher population by pure logic. Similarly, if you drive occasionally, you tend to get better rates than if you drive regularly. Make sure you bargain for good rates using these factors.
Diligent online shopping
Make sure you know what the market auto insurance rates are. Auto insurance policies also come with a lot of bells and whistles. If you are paying the same as everyone else, bargain for some of the additional features. These could include roadside assistance, towing assistance for car damage, lifetime renewability for seniors, first accident forgiveness etc. Sometimes, they could save you more money than you think.
Age and gender specific discounts
There are age and gender specific discounts that you should avail. If you are housewife, you are likely to get a bigger discount than in case of a working male. Teens can get discounts if their grades are excellent as it indicates that they are responsible.
Miscellaneous discounts
If you have driving certifications or if you are taking multiple policies from the same company, you can get better discounts.
