Whether you’re an established customer or just starting out, there are smart ways to save on your insurance. Checking quotes regularly, shopping around, raising your deductible (if it makes sense), or even attending a defensive driving course can all save you money and improve your policy’s protection. And don’t forget to ask about bundling and other discounts you might qualify for.
Many Americans are overpaying for their car insurance, and it’s time to take back control. Thankfully, there are plenty of smart, proven ways to cut your rates without cutting corners on coverage.
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Start by reviewing your policy and determining how much coverage you need. Then, consider raising your deductible (just make sure you can afford the higher out-of-pocket expense). Other cost-saving tips include:: 1. Shopping Around.
1. Shop Around
Shopping around is a simple yet powerful way to protect your finances and ensure you’re adequately protected. While it may feel like a hassle, using reputable comparison tools and/or working with an independent agent can help streamline the process. And remember, it’s not just about the premium – you should compare apples to apples. A policy with a lower premium could actually cost you more in the long run if it lacks essential coverage.
It’s also important to review your insurance on a regular basis. Significant life changes, such as buying a new car or moving to a different neighborhood, can trigger changes in your insurance requirements. If you don’t update your policies, you risk being underinsured or paying for unnecessary coverage.
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In addition, premiums aren’t static and can fluctuate based on market trends and regulatory change, among other factors. As such, Consumer Reports recommends comparing rates every three to four years.
Even if you’re satisfied with your current provider, it’s worth looking at the competition every year or so to make sure you’re not overpaying. And don’t forget to ask about any discounts you might be eligible for. For example, many insurers offer savings for bundling home and auto policies, good driving records, or security features in your home.
