Learn To Save Money On Car Insurance

Before you buy your next car, check on insurance. Many people assume that SUVs are expensive and Neons are cheap. This is not necessarily true. Some companies will increase your liability based on the cost of damages your type of vehicle may inflict — big trucks cause big damage. However, they also rate the autos based on how likely they are to be damaged in an accident, how often they are stolen, and how badly driver / passengers are injured. That Neon (or Jetta or Honda) is going to be a lot more expensive than you think. 

Your driving record, good or bad, will be part of what becomes the calculations that determine your rate.  You have other choices that will also affect the dollar amount you pay for your car insurance.

Consider using higher deductibles. Everyone preaches this, yes, but it’s usually the easiest way to cut costs. Usually. (If your car is over ten years old, the savings may be minimal.)

Have all of your insurance in one place. Often, the more types of policies you have, the more you save in discounts.

Do not pay monthly. Your carrier will charge anywhere from $3 to $5 per month for this type of billing. Pay every six months if possible. If you must pay monthly, do an auto pay — the charges are less because they only send a bill if the amount changes.

Consider eliminating towing. Good maintenance and planning can save you money. Don’t run out of gas. Don’t lock your keys in your car. Make sure you have a spare tire and know how to change it. Sometimes your car will break down, but if your car is well-maintained, it won’t happen often. You may pay as much as $30 a year during the life of your policy and one tow costs $100. Before you drop towing make sure that in the event of an accident, towing is covered under your collision coverage.

Consider taking a safety-driving course? Some companies offer a discount for this.

A car with an alarm system may offer you a discount on your car insurance.

When considering your needs for insurance products for your home or business remember contacting Bennett Insurance Group is the right move.  Give us a call at 623-979-4140

Presented By:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com