Are you tired of shopping around for more affordable auto insurance only to find yourself receiving one high quote after another? If so, it may be time to start doing things a little differently. Rather than expecting to find a lower rate simply by changing insurance companies, you will need to take action to change the way all insurance companies look at you. Thankfully, accomplishing this task can be much easier than you think. In fact, with the helpful tips below, you will be able to accomplish this task in just three easy steps.
Step 1: Take A Defensive Driving Course
Defensive drivers are statically at a lower risk of being involved in an accident than aggressive drivers. Consequently, insurance companies will routinely offer a discount to drivers who are able to demonstrate their safe driving skills. The easiest way to do this is to successfully complete an approved defensive driving course. These courses are available both online and through local venues, such a adult education center. After completing the course, simply provide your insurance company with your original certificate of completion and you will immediately become eligible for a safe driving discount. The value of this discount will vary from company to company but it is not unusual for drivers to receive around 5% off their annual premium.
Step 2: Accurately Report Your Average Mileage
When you apply for an auto insurance quote, the insurance company will ask you for information regarding the primary use of your vehicle and how many miles you drive on an average day. Unfortunately, many people pay very little attention to these questions and simply provide a wild estimate of their average mileage assuming that it will have no real impact on the quote process. However, the truth is, this information can have a huge impact on how much you pay for car insurance. This is because the more time you spend on the road each day, the higher the risk will be of you being involved in an accident.
If you overestimated your average mileage or your daily driving habits have changed over the years, taking the time to accurately report your daily mileage to your insurance company will allow you to enjoy a significantly discounted rate.
Step 3: Bundle Your Policies When Possible
If you are currently paying for more than one type of insurance coverage, choosing to bundle your policies can help you to save a small fortune on insurance. This is because bundle discounts are routinely offered to loyal customers who purchase two or more policies from the same insurance company. For instance, if you require both auto and home insurance, purchasing both of these policies through the same company will qualify you for a bundle discount. Best of all, the only thing you need to do to qualify for this discount is continue carrying the same insurance coverage you already have.
With these things in mind, contact an auto insurance company like Austin Insurance today for a quote.