Saving money is important. Everyone should be able to keep more of their own cash. When it comes to car insurance, there are a number of things you can do to reduce the costs of your annual premium. By using just a few simple tips, you can spend less money on car insurance, and more money on the things you like.

When buying auto insurance nowadays, purchase you car coverage and save cash by using these tips.

Compare plans side-by-side. Don’t spend time looking up insurance providers one by one. Use an online broker, the quoting services are at no cost to you, and they deliver plans from your local area quickly. You can compare and contrast by organizing the results a number of different ways, saving time and money.

Choose to pay a higher deductible. Opting to pay a higher deductible for your plan will result in lower monthly premiums. If you pay less monthly, you will be responsible for more out-of-pocket expenses if a covered loss occurs.

Bundle your insurance products. Do you own a home, another car, motorcycle, RV? Most insurance companies offer discounts when you buy two or more policies through them. Get a quote for bundled services, or call your current insurance rep and see what discounts you could qualify for by combining policies.

Choose a car that’s inexpensive to insure. One of the things that will determine your premium cost is the car model. Vehicle models that have high incident rates, thefts, and high repair costs cost more to insure. You can get a quote before you purchase a vehicle so you know what to expect. And when purchasing an older car, it sometimes isn’t worth it to add comprehensive and collision. In the event of a covered loss, you would only be awarded an amount up to the cash value, which may not be worth the annual premium.

Insurance providers use applications to learn about you, you should take the time to learn about them. Ask friends and family who they would recommend. Insurance providers build reputations, and some reputations are better than others. It never hurts to ask, and there are good agents everywhere who are eager to earn your business.

Get the “black box” insurance. Have you ever heard of usage based insurance? If not, then it may not yet be available in your area. This is a type of insurance where the provider gives you a device to track your driving performance. If your driving meets certain qualifications, you can save up to 30% on your insurance payments. This type of insurance is growing rapidly, and customers and insurance companies are both excited about the future of “black box” insurance. Check with your auto insurance provider to see if they offer such a program. And don’t worry, there is no GPS installed in the monitoring devices. There is nothing tracking your movements, or your locations. The device is installed into your automobile’s computer, and tracks things like braking and speed. For drivers who practice safe driving hazards already, it’s an easy way to save money.

Using these five simple tips you can save cash every year on your insurance. To find out how you can save money based on your individual situation, talk with your current insurance representative.

By: Brad R King

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