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.

Save Money on Cars Insurance

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Car insurance Man by yenee mae glutz, on Flickr.  This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 3.0 Unported License.


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.


Arnel Ariate is the webmaster of Money Soldiers.

Click Here to Leave a Comment Below 6 comments
TCI - March 1, 2014

These are pretty good ways of finding lower car insurance rates. Here is a few more. You can save money if you pay your premium in one go at the start. This will also allow you to avoid the interest charges as well as getting discounts. Avoiding accidents and claims plays an important role when it comes to getting affordable premium quotes. Some people actually choose not to make claims wherever it is possible to keep their claim count low or stay claim free.

Backup Camera NJ - June 16, 2014

Make your car protected and secured, may it be audio systems or security ones like alarm systems. More secure the better.

Car Audio NYC - July 16, 2014

One of the common automotive repair tips that may seem like common sense but that is often not followed is to always pay attention to any warning signs that develop. Many early warning signs can be addressed with minor work, but if these are ignored the problem can become much more expensive later on.

    car air conditioning repair NJ - February 5, 2015

    Curiously, many people haven’t adjusted their thinking to keep pace with new car maintenance schedules. The preoccupied still run their daily drivers without service until the dash warning lights burn out, while over-achievers fret about running synthetic oil more than 2,500 miles without a change.

      home theater Union County NJ - September 1, 2015

      Replace the windshield wiper blades periodically. If your wiper blades are cracked or torn, or if they begin to streak, it\’s time to replace them. Inspect the engine belts. They should not have cracks or missing segments.

car - August 15, 2016

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