3 Tips and Ideas for Cutting Car Insurance Costs
1. Multiple Cars and / or Drivers Can Save Money
If you get a quote from an auto insurance company to insure one vehicle, you will probably get a higher quote for each vehicle than if you ask about insuring multiple drivers or vehicles with that company. The insurance company will offer you a large amount because they want your business. In certain circumstances, they are willing to give you a deal if it means you will bring in more.
Check with your insurance agent to find out if you qualify. In general, many drivers must live in the same residence and be related by blood or marriage. Two unrelated people may also be able to get a discount; However, they usually need to have the vehicle together.
If one of your drivers is a teenager, you can expect to pay more to insure them. However, if your child's grade is B average or higher or if they are in the top 20% of the class, you may be able to get a good student discount on coverage, which usually lasts until your child turns 25. This discount can range from 1% to 39%, so be sure to show proof to your insurance agent that your teen is a good student.
Incidentally, some companies may also give you discounts on car insurance if you maintain other policies with that company, such as home owner insurance. Allstate, for example, offers a 10% discount on auto insurance and a 25% discount on homeowners insurance when you combine them, so check to see if those discounts are available and applicable.
2. Take a Defensive Driving Course
Sometimes insurance companies will provide a discount for those who complete an approved defensive driving course. Drivers can also reduce the number of points they have on their license by taking defensive roads, accident prevention, or other courses.
Be sure to ask your insurance agent / company about this discount before you sign up for classes. However, it is important that the effort expended and the cost of the course translate into sizable insurance savings. It is also important for drivers to enroll in accredited courses. Each state has its own rules for accredited defensive driving courses, and GEICO allows you to check anything by state on its website.
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