The federal government has mandated that all automobile owners must carry auto insurance, but they did not mandate all of the coverage that is available to consumers. Since the mandate only requires a minimum coverage, it is worthwhile to consider what steps may be taken to lower your car insurance quote to cover just what you need and qualify for lower rates based on your driving habits.
Here are ten things you can do to lower your risk and, therefore, your car insurance:
1. Be a safe driver. If you lower the risk that you will have an incident claim, the insurance company will pass savings on to you. People who have no accidents but have a record of speeding tickets and even parking tickets will be considered a higher risk to insurance companies. Keep a clean driving record all around.
2. Attend a driver safety course. Your certificate from the course will be a signal to your insurance company that you are dedicated to safe driving habits, and then demonstrate them by being a safe driver. Also keep your vehicle maintained properly so that it will continue to operate safely.
3. If you smoke, stop. Smoking is a distraction while driving which means it is a higher risk. Either do not smoke in the car, or better, stop altogether. Drinking alcohol ought to be an obvious avoidance at least while driving; better if it is avoided altogether. Cell phone and texting ought to be curtailed as well.
4. Install anti-theft equipment on your car. Make the would-be thief consider an easier car to burgle or vandalize than yours.
5. If you use your car in your profession, see if the company will issue a company car or change your profession. The more you are on the road, the higher your risk will be that you will be involved in an incident. If you just commute, know your commute miles and report them accurately to your insurance company. If your car is only used occasionally rather than daily, advise the insurance company. Know the exact or at least approximate mileage.
6. Buy a safe vehicle. Cars carry standard safety ratings from the National Highway Traffic Safety Administration (NHTSA). Consult their safety ratings if you are considering a new or used car purchase.
7. If you own an older car of significantly reduced value, have coverage of minimum liability only.
8. Park in your garage if you have one. Like item 3, this will discourage auto thieves and will lower the risk of freak incidents like a downed tree, hail damage, etc.
9. Be credit worthy with a higher credit score. If your other bills are paid on time, so is your insurance bill.
10. Address the policy with reduction tactics. Increase your deductibles. Remove superfluous policy additions you do not use. Buy a policy with a single, annual payment rather than month to month.
By applying any or all of these ideas, you will lower your car insurance and still have all the coverage you need.
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Article Source: http://EzineArticles.com/expert/Robert_Fogarty/620863
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