How to Lower Car Insurance Premium?

 Calculate Car Insurance Premium

A study revealed that the average cost of car insurance in the US is $791, with the rates highest in New Jersey ($1157), in Columbia ($1134) and in Louisiana is $1122.


The Factors you can control:

There are some tips that can help to control your car insurance premium, but you have to strictly follow. You may raise a question that how to lower car insurance? It’s on your own hand that some factors can help to control it.

·    Drive slowly: pay attention for driving in urbanized areas. Because of urbanized areas with high crime rate rates compare with rural areas.

·    Drive Safely: You may know that good drivers with clean records can save up to 10% of auto-car insurance premium. It means you have to follow traffic rules strictly and drive safely. It may help to keep your driver record. Speeding and other moving violations have a negative impact on insurance bill. So, obey the traffic rule to help keep your score rates from rising.

·    Grab a Discount: Most of the insurance companies offers discounts to tempt drivers, qualifying for one or more is insurance. Some Discount for Good Grade, multiple-policies, defensive driving passes, profession and affiliate membership.

·    Examine your coverage: According to NAIC data, at least 76% insured purchase comprehensive coverage in addition to liability insurance and about 71% buy collision insurance coverage. If you have older car coverage, you may want to consider removing it, or rising the deductible.

·    Safety Proof: You have to keep in your mind that the safer the car, the less of a risk, it is to insure. Ensuring your vehicle is equipped with automatic seat-belts, air bags and anti-lock brakes will result in cheaper care insurance. Anti-theft device will also make vehicle more appealing to insurers.

·    Keep a good credit records: A good credit score will keep car insurance rates lower compare with a bad credit score. Frequently accident drivers pay more. If you want to pay less premium rates than make the good credit record.

·    Vehicle Choice: Sedans cars cost is less to insure than Sports car, and cheap cars cost less to insure than expensive ones do. Therefore if you want to buy expensive cars then you have to pay more premiums than cheaper cars.

·    Accident Prevention Training: If you take driver's education training course then Insurances Company may allow you special discount on insurance premium.

·    Theft Deterrent Systems: It helps to pay less to insure your vehicle.

Factors you can't control:

·    Age: Young driver with little experience will typically pay more for car insurance.
·    Gender: Men pay around $1,500 more for auto insurance over a lifetime than women do.

·    Demographic: drivers in urbanized areas and areas with high crime rates should pay more than their counterparts in rural low-crime rate areas do.
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