Opting for auto insurance is definitely not cheap but since insurance protects your interests at the time of an accident it is important to opt for vehicle insurance. Insurance companies decide your premium based on many factors and while some of these factors cannot be controlled, there are various things you can do to get cheap vehicle insurance premium. This article will elaborate on some of the things you can do to get cheap auto insurance.
Avoid Accidents and Violations
Accidents and violations committed are two of the factors that can increase your auto insurance premium you pay significantly. By committing accidents that are your fault your premium can be raised by up to 40% for the first accident and by a few percent for every fault accident after that. By being vigilant on the road and being focused while driving you can prevent accidents. Violations are easily avoidable even though many people often argue otherwise. If you are going to drink then you should ask a friend to drive your car for you so that you do not get a DUI ticket. By asking a friend to drive or by assigning a driver you can also prevent accidents. Speeding tickets are also avoidable provided you drive below the speed limit. If you are in a rage then you should consider staying at home since violations committed due to reckless driving will also increase your premium.
Increase the Deductible Amount
If you are a safe driver and you rarely get into accidents then you should consider increasing your deductibles since this will reduce the amount of your premium. Auto insurance companies set the deductible amount of 20% by default which means that at the time of an accident you will have to pay 20% of the repair costs. By increasing your deductible to 30% or 40% you can save a significant amount on insurance premiums. You should make sure that after increasing the deductible amount you have enough money at the time of an accident.
Don’t Opt For Comprehensive Cover
Comprehensive cover is a great insurance cover but this cover is beneficial only to people who have new or expensive cars. If you have an old car that is not worth a lot then you should consider skipping comprehensive coverage. If comprehensive coverage is mandatory in your state then you should consider opting for a lower limit.
Take Care of Your Car
The condition of your car is one of the major factors that influence the amount of auto insurance premium you pay. You should make it a point to tune your car, change the oil, clean the spark plugs and use good quality oil so that your car works better for a longer time. You should also consider giving your car for servicing to a professional mechanic at least once in 6 months.
Modify the Details on Your Auto Insurance Policy
If you have added other people to your insurance policy and these people do not drive your car at all then you should consider removing them from your policy. Insurance companies charge an extra amount for adding others to your policy and by removing people who do not use your car you can save a significant amount on vehicle insurance.