Are you one of those people who live in Springfield, Arkansas and work on the other side of the state? If you are one of those road warriors who travel more than an hour a day to get to work, be sure to get full auto insurance coverage. According to experts, the stress of negotiating busy routes often makes extreme commuters short tempered and prone to road rage. As it is, extreme commuters like you are more likely to be involved in serious road accidents than short distance drivers.
Since road accidents can result to costly litigation and settlements, as an extreme commuter, make it a point to get higher insurance protection. Forget about getting the minimum coverage required under the law. The minimum bodily injury liability of $25,000 per person injured and minimum property damage coverage of $25,000 are simply too small to keep you fully protected. Instead of getting the minimum requirement, ask your Springfield insurance provider to give you a higher insurance package.
Isn’t it too expensive to maintain a high insurance coverage? Higher coverage always means biggest cost. That is a given fact. However, there are ways to reduce the cost of your premiums.
1. You can bring down the cost of premiums by increasing your deductibles. A number of Springfield insurance companies allow their clients to increase their deductibles to as much as 30%.
2. You can save some money by driving an older car model. Remember that your premium rate is based on the cost of your car. If you drive an older and cheaper vehicle, it is possible to pay lower insurance cost.
3. You can minimize premium cost by driving less. Most insurers are willing to give lesser rates to low mileage drivers. To save money, consider leaving your car in the garage at least once a week and take the subway or bus to work. It would also help a lot if you walk or use a bike once in a while instead of driving. This way, not only will you be able to shave off a few dollars on insurance premiums, you also get to save on gas.
4. Ask discounts from Springfield insurers. Old clients, who have not made several claims in the past years, always get better deals from their car insurers. On the other hand, insurance providers welcome new clients who have an exemplary driving record. If you fall in either of these categories, you are in a good position to bargain for better coverage terms with your insurers.