Car Insurance is essential, but you always want to make sure to pay a fair price for it.
Shopping around, opting for a higher deductible and taking safe driving lessons are some well-know strategies to lower your car insurance premium. But there are other things you can do to get even more convenient rates.
Compare Insurance Costs Before Buying a Car
Insurance premiums are based in part on its overall safety record, and the likelihood of theft. Choosing a safe car goes a long way toward lowering your premium. So, when you shop around for a new or used car, check the safety ratings of the models you have in mind. You can get that information from the website of the Insurance Institute for Highway Safety.
Look for Multi-policy Discounts
Many carriers offer discounts if you get two or more policies with them. This works for multiple cars, but some companies apply the same principle even if you have two types of insurance, for example car insurance or boat insurance, and car insurance or homeowners’ insurance. If you have more than one vehicle, each covered by a policy with a different carrier, ask your insurance expert if you could get a discount by consolidating them with one company.
Remove Drivers and Vehicles From Your Policy
Make sure that the information on your car insurance policy matches your current condition. For example, you may still be paying for the coverage of vehicles you don’t own anymore, or for family members who no longer drive your car. Check this information and correct any inaccuracies. But keep in mind that by removing a vehicle from your coverage you may lose multi-car, or multi-policy discounts.
Maintain a Good Credit Record
A lot of factors impact your car insurance premiums, and your credit score is one of them. Research shows that people who effectively manage their credit have fewer claims. Therefore, always pay your bills on time, and avoid getting more credit than you need. Obtaining a copy of your credit report is relatively easy; check yours and correct any discrepancies.
At Delgado’s Insurance we are committed to helping you find a Car Insurance policy customized to fit your individual coverage needs and your budget.
We have locations in Riverside, California, and Bloomington, California. Contact us today by telephone (951-361-0084, 909-421-9003), email or through our social media accounts to get a free quote and learn more about our Car Insurance options. Our agents will be more than happy to assist you so you can find the coverage that makes the most sense to you.