Lower Your Auto Insurance

By Meha Ahmad, Insuranceagents.com Staff Writer

There are plenty of ways to reduce your auto insurance. You can compare car insurance quotes, reviewing your policy with your car insurance agent. Get a higher deductible, consider cutting collision coverage, don’t be overinsured… But did you know there are also plenty of ways to reduce your auto insurance without having to alter your coverage? They may seem common enough, but lots of drivers tend to forget these golden rules of the road. To compare rates from multiple companies use our quick online form.

These are just a few ways to reduce your auto insurance costs without altering your coverage:

* Obey traffic laws. Sounds simple enough, but traffic violations are a huge cause of inflated premiums. Excessive speeding violations, ignoring stop signs and traffic lights will cause your auto insurance costs to spike. Remember, the point behind these laws is to reduce and prevent the amount of car accidents.
* Safety features: Reduce your auto insurance by making you and your car safe. Let your agent know if you’ve got four-wheel drive, anti-lock brakes, automatic seatbelts, airbags, an anti-theft alarm system, etc. All of these safety features help in reducing your auto insurance costs because it cuts the risk of accidents and theft, which looks good to the insurance company.

* Make everyone in your car wear a seatbelt. You don’t want anyone to get hurt, right? Bonus: At least you know you won’t be held accountable and expected to use your auto insurance’s liability coverage because your passengers weren’t doing something as simple as wearing a seatbelt. Besides, it’s the law.

* Resist the racing stripes. Auto insurance can get pricey for drivers who want to dress up their vehicles. In fact, “pimping out your ride” isn’t the best idea when trying to find ways to reduce your auto insurance and is really a fast way to waste money on auto insurance. So ditch the spoiler, the modified or customized sound system and the flash exhaust. Modified cars cost more to insure. Keeping it simple will save you money on the customizing and on your auto insurance!

Following these simple rules of the road is a sure way to reducing your auto insurance. Just keep your insurance agent in the loop.

If you're already following the above tips and still are looking for cheaper auto insurance, we suggest shopping online, use our quick rates form and comparing insurance quotes. It's easy, free, and a fast way to compare several of the industry's top carriers' lowest rates.