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Car Insurance Matters


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Car Insurance Matters

I still remember the day that I drove off of that used car lot with my first car. In my excitement to show off my new ride to my friends, I smashed my car into a telephone pole. Although I can laugh about the accident now, it was devastating at the time. In addition to completely destroying my reputation, I also had to deal with the expenses that were involved with the wreck. Unfortunately, I hadn't purchased car insurance, so I had to foot the repair bills on my own. After getting my car fixed and thinking about my actions, it was very clear to me that I needed to invest in a car insurance policy. I decided to learn as much as I could about insurance, and that is one of the reasons that I decided to become an insurance agent.

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5 Tips That Will Help You Get Cheaper Auto Insurance

Do you feel like you're spending way too much on auto insurance? If you're putting out way more than you'd like to pay, you're probably wondering if there is any way to reduce the overall cost of your car insurance and get a great deal on the coverage you need. In that case, follow the five simple tips below to improve your chances of getting cheaper car insurance to save more every month.

1. Consider Going with an Older Vehicle Model

It might be best to go with an older model when buying a car, especially if you don't care about having the latest, most extraordinary vehicle on the market. A car produced between 2010-2015 would still have plenty of modern features but would typically have lower insurance rates than a vehicle recently made by the manufacturer. If you want to cut corners, buy a cheaper car to get more affordable insurance rates.

2. Participate in a Defensive Driving Course

Did you know you can voluntarily participate in a defensive driving course and earn a certification to prove that you know what you're doing on the road? Many auto insurance providers are willing to offer discounts to those who take the time to take the course and receive their certification. Although the price can vary from state to state, the course may often cost as little as $25 and is worth it if it means it can save you several dollars every month.

3. Shop Your Options Instead of Going with the First Company You Find

Make it a priority to shop the different car insurance options, including names you've heard of and ones you know nothing about. It's a good idea to do the research and learn more about these insurance companies, including the types of coverage they provide and the current rating each one has.

4. Maintain a Decent Credit Score

An auto insurance provider may increase rates if your credit score isn't great. Focus on bringing your score up by paying off credit cards when they're due and reducing your overall debt.

5. Get Less Coverage

Another way to make your auto insurance rate even cheaper is to go for less coverage. For example, your monthly premium won't be as high if you choose liability over comprehensive or full coverage. However, keep in mind that you won't have a great deal of coverage when choosing this option.

Use these five tips to your advantage to get cheap car insurance. Be selective with the provider and select a plan that you personally believe is best.