Free Money Saving Auto Insurance Tips

Our money saving auto insurance tips were written for one reason - To Save You Money on your next auto insurance policy. Since in most states you are required by law to purchase a minimum amount of liability coverage we've looked for ways to save you money. Additionally many people want more than just the bare minimum in order to provide themselves with adequate protection.

The top two biggest money saving auto insurance tips are to first shop around. There are numerous providers of insurance and generally speaking you can save a great deal of money on your policy if you take the time to find the right provider.

The second biggest tip to lower your rates is to simply raise your deductable. In some cases you can reduce your annual premium by 10 percent or more if you increase your deductible by a few hundred dollars. USE CAUTION HERE: You want to make sure you can actually afford the amount that you raise your deductible to or you're no better off then before.

Additional tips include eliminating certain types of coverage from your current policy and reducing the amount of coverage you currently have. Generally this is up to each individual based on thier needs, wants and desires. You may want to consult an insurance agent before making any drastic changes to your current policy.

Other factors raising the cost of your policy include the amount of mileage you drive annually and the type of vehicle you own and operate.

Did you also know that where you live can determine rates and keeping your car in a garage can lower your rates. Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.

If you have multiple cars and drivers then you could qualify for a multifamily discount. Sometimes your children's insurance premium can be lowered based on their school grade point average.

Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.

Finally try using an anti-theft device. This helps to reduce your insurance cost.

Thanks for taking the time to read our money saving auto insurance tips. We hope our free tips and save you some of your hard earned cash.

High Risk Auto Insurance - How to Lower Rates

How is your driving record lately? Do you have a large amount of speeding tickets or maybe a few car accidents on your driving record? High risk auto insurance generally means one thing for sure, higher car insurance rates. Even though high risk auto insurance rates are typically higher, there are a few things that you can do to reduce your costs now.

There are other factors here as well. Insurance companies will continually deem men a greater risk than women, teens greater than adults, and urban folk greater than rural dwellers. Whether you've had auto insurance coverage continuously over the past few years will affect your risk rating, because insurers assume you've either been driving without coverage, which is bad or had your policy canceled by the previous insurer, which is even worse. And of course your credit rating will be looked at. Bad credit equals bad risk. So what can you do?

To be blunt, clean up your driving record and start paying bills on time.

It generally takes some time to rebuild a poor driving record. The best way to eliminate your need for high risk auto insurance is to rebuild your driving record. This will take some time. But the most important thing that you can do is drive safely and carefully and over time you will improve your driver rating.

Even though it will take some time to eliminate your need for high risk auto insurance, there are some things that you can do immediately to reduce your insurance costs.

Many insurance companies offer lower insurance rates if you drive an older model car. Also, a four door model may inspire lower rates.

If you are looking to reduce the costs for your high risk auto insurance you may want to consider only getting a basic insurance coverage for your car. With only collision, you will pay a reduced rate. A basic insurance coupled with safer driving will allow you to save money on insurance even when you are considered high risk.