insurance

Getting cheaper car insurance

Car insurance premiums keep rising, and with the economy still rocky, everyone is looking for ways to save. Although your car insurance premium depends largely on your age, your vehicle and your driving record, there are several things you can do to help you get cheaper car insurance.

Improve your credit score. Insurance companies look at your credit score as part of the calculation for your car insurance premium. If you have a good credit score you will in turn receive cheaper car insurance.

Purchasing your car insurance on the Internet could help you get a discount of up to 10 percent, as it's cheaper for most companies to process your application online.

It seems simple enough, but just by taking the time to shop around, compare car insurance premiums from different companies and educate yourself on types of coverage could help you get much cheaper car insurance.

Take advantage of discounts that are available to you. For example, if you haven't had an accident in several years, only drive a minimum amount of miles each year or store your vehicle in a safe and covered location, your auto insurance company will most likely give you a discount.

Pay your car insurance premium for the year all at once. It's cheaper to pay your premium in full, this way you avoid service charges you would be charged if you were to pay your insurance in installments. Keep a clean record on your license. Car insurance companies take driving convictions very seriously and can increase your premium. By keeping a clean record and proving that you're a safe driver your car insurance will be more affordable.

Another way you could increase your chances of getting cheaper car insurance is by installing an anti-theft device or purchasing a vehicle with safety features like an anti-lock brake system or air bags.

Car insurance is expensive, so before you purchase coverage for your vehicle, make sure you haven't overlooked any essential component that could help you get cheaper car insurance.

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