Due to the high cost of a new vehicle and the ever-increasing litigiousness of society, rates for car insurance company in Glendale AZ, are high and there’s no sign of a decline any time soon. However, there are ways for drivers to lessen the financial burden. Below is a look at some tips that can be used to lower a monthly car insurance premium.
Bundle Policies and Drivers
If a person obtains a quote for a single vehicle, they may end up with a higher rate than if they’d insured several vehicles and drivers with the same company. This is because insurers offer bulk rates to customers who insure multiple cars. To get a discount, ask an agent about multi-car quotes. If more than one driver is to be insured, they must live in the same home or be related by marriage or blood. Two non-related persons can get a discount, but the vehicle must be jointly owned.
Keep a Clean Driving Record
It goes without saying that the more violations and accidents a driver has, the more they will pay in monthly car insurance premiums. Most moving violations results in points being assessed, and more points typically means a higher monthly payment. By keeping a clean driving record, one can save substantially each month.
Take Driving Courses
Some insurers provide discounts for those who take defensive driving courses. In some cases, drivers can reduce points on their license by taking an accident prevention or defensive driving course. Ask the insurance agent about such discounts before signing up for the class, and be sure to choose an accredited driving course.
Compare Prices
If a policy has recently been renewed and the premium has significantly increased, the driver should shop around for competitive quotes. Every two years or so, it makes sense for drivers to go through the quote process to ensure that they’re getting the lowest possible rate. However, going with the lowest price isn’t always the best decision, because a low-cost insurer’s credit rating may not be sufficient to pay high-value claims.
Choose a Vehicle Carefully
Buying a sports car or SUV may sound tempting, but they can be more expensive to ensure than small commuter cars. Older cars are typically cheaper to insure than newer models; speak to someoen at idealins.com, a car insurance company in Glendale AZ, to find out exactly how much it will cost to insure the vehicle the driver wants.
