When shopping around for vehicle insurance, it is wise to ask questions and gather as much information as possible. Many people make the mistake of simply accepting the first vehicle insurance recommendation that they are made aware of. Getting your auto insurance rates reduced can be a challenge unless you take the time to shop around for discounts and price comparison. The following article contains a number of vehicle insurance recommendations and important information to help you reduce your premiums.
If you have a clean driving record you may not qualify for some of the discounts available. For instance, if you are convicted of driving under the influence of alcohol or drugs you may be eligible for a DUI discount. However, even if you do not have this charge you may qualify for a discount based on having anti-theft devices in your vehicle. Many insurers will offer a discount if you have the security devices installed that correspond with their own safety rating system.
Some vehicle insurance recommendations include raising your deductible. Increasing your deductible can save you up to five percent in insurance premiums each year. Of course, you may encounter a level of difficulty in finding an insurer that will agree to your request. In most cases, you will have to contend with a salesperson who is looking for a commission rather than your needs.
Another vehicle insurance recommendations is to add more than one driver to your policy. Multiple drivers often receive lower rates. The reason is that the cost of driving with more people on your policy is added into the overall cost of the premiums. Adding a driver to your policy may be financially beneficial only if you have two vehicles to insure.
You should also be sure to closely examine your current policy and make any necessary changes before requesting a new policy. There may be many instances where you can save money by changing certain parts of your policy such as your deductible or your vehicle insurance recommendations. However, changing the entire policy may not be possible. If this is the case, you may decide to institute a policy change only after reviewing your current policy.
Your vehicle insurance recommendations are not written in stone. As you continue to research policies and as you discuss them with representatives from different companies, you will likely find other policies and discounts that you didn’t consider before. Be willing to act on these vehicle insurance recommendations when they arise. The payoff could well be well worth the time you invest.