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Affordable car insurance is not that hard to obtain anymore. Resourceful drivers can easily find various methods that can help them pay less on car insurance premiums. Drivers can change some of their driving habits and make several coverage adjustments in order to obtain better car insurance.
To obtain affordable car coverage, drivers can follow the next tips:
- Set higher deductible levels. A deductible is the amount of money a driver has to pay out in the event of a car accident before the insurance policy kicks in. The larger this deductible is, the less a driver will pay on his monthly premiums. To save money on car insurance, policyholders can increase the deductible amount. However, drivers are recommended to save money on an emergency fund, just in case, they will ever be required to file an insurance claim.
- Keep or improve the current credit score. The credit score is one of the main factors that can affect car insurance costs. Drivers with good or excellent credit scores are seen as more responsible drivers by the insurers and will pay less on their insurance rates. On the other hand, policyholders with a poor credit score will pay more on their insurance premiums.
- Pay for the whole policy in advance when the policy becomes active. The costs of paying for the whole policy at once is cheaper than paying monthly insurance bills. A small discount that is between 5-10% is provided by the insurance companies that will save money by not having to pay for several monthly administration fees.
- Use a garage or a safe parking lot to park the car. Cars that are parked in a garage are less likely to be stolen. Also, they are protected against severe weather effects.
- Check all available discounts. Drivers are advised to contact their insurance companies and ask for a list of available discounts. Insurance companies are well-known for offering different discounts like the multi-policy discount, good driver discount, safety devices discount, loyalty discount, and low-mileage discount.
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