When economic times are difficult, you have to make the most of your money and get the best value that you can for your investment in auto insurance. There are some practical ways of keeping your car insurance premiums lower than you might think if you use some tips to assist with owning and maintaining your automobile. Let’s look at some things that you can do to control the cost of your car insurance so that you can save money with each premium that you pay.
Are You Using an Anti-theft Device on Your Car?
Some of the newer models have such devices built-in but if yours is an older model you can purchase items that deter criminals from trying to break into or steal your car. Be sure to ask if you can receive a discount for theft prevention devices added to your car’s security system.
Will You Get a Discount for Having and Maintaining a Good Driving Record?
Some companies will offer you good deals if you have an excellent driving record as evidenced by the lack of claims on your insurance policy. You’ll want to cover this feature to see if it is offered with the policy that you want to take.
Do You Have More Than One Car to Insure?
Some companies will offer you a competitive price if you place two or more cars on your insurance policy. This is an excellent way for you to find affordable car insurance especially if you have other vehicles and drivers in your household.
Buy Your Policy for a Period of One Year Instead of in Six-month Increments
By purchasing your policy for a year, you’ll avoid any increases in premiums that you will incur if you only take out a policy for six months.
Explore Getting Your Insurance Policy as a Member of a Particular Group
If you’re engaged in social clubs, are of a certain age group, or employed with a professional group of people you may qualify for a group discount. As you interview companies for quotes you’ll want to enquire about the discounts that they offer to you.
Combine Your Household Insurance with Your Car Coverage
You might consider combining your household insurance with your car coverage so that you can qualify for a lower rate. Many companies offer this incentive to get all of your business; you’ll find savings with this package to make any policy more attractive.
As you obtain car insurance quotes from the companies that interest you be sure to mention your good credit reports, any defensive driving courses that you’ve taken, and the group discounts to which you may be entitled. This can help to lower the cost of your insurance and keep you within your household budget. The professionals at Santam will be able to answer all of your enquiries with expert advice and opinions and exceptional help.
With just a few simple steps and close attention to details you can save money on your car insurance and get better value for your money.