6 Little Changes That’ll Make a Big Difference with Your Auto Insurance

You can reduce your auto insurance premium greatly if you can make a number of minor changes. While it’s a must for you to buy into an auto insurance policy, you don’t have to pay more than necessary. 

In this piece, we’ll provide a number of little changes that will help lower your auto insurance premiums.

Here’s a changes where you can start; 

1. Embrace Safe Driving Habits

Auto insurers reward safe driving by offering discounts that can help subsidize your premiums. When you get to compare the insurance premium of a safe driver with another with moving violations, the difference is apparent. 

If you enjoy breaking traffic laws, you should be ready to pay more in insurance premiums. 

Note that the amount you can save in auto insurance premium by cultivating safe driving differs in different auto insurers. 

2. Shorten Your Commute

When you have a sit-down with an insurance agent for an auto insurance policy, one of the questions that will be asked is the distance of your daily commute—usually, the shorter your commute, the lesser your auto insurance premium. 

The reason is simple, the lesser you spend on the road, the lower your chances of being involved in a road accident. There are even insurance companies that focus on the total miles driven. You will be charged an auto insurance premium based on the distance covered. If you work from home, you should consider toeing this path.

If you cover a short round-trip distance daily, you should ask your insurance advisor about a product that suits your lifestyle. 

3. Compare Auto Insurance Rates 

Staying with a single auto insurer for decades may not be best for you. While there are juicy loyalty bonus and incentives, the auto insurer’s rates change and the marketplace change over time. 

Make it a habit to ask for quotes from auto insurer competitors at least every two to three years.  Contact an independent insurance agency who can scan the market for you. 

Also, ask for a discount review for your current policy to make sure you are receiving the best rates your current carrier has to offer.

4. Your Home Address Matters

Your zip code is one of the risk factors considered by auto insurers when setting your premiums. If you live in a densely populated area in a city, you rank highly on the risk rating. The belief is that high-density regions are prone to accidents and claims. 

That’s why you are likely to see a change in your auto insurance premium when you retire to a suburb from a city. 

Auto insurers consider crime rate, condition of the roads, congestion, and environmental conditions in setting premiums. 

5. Combo Auto and Home Insurance Plans

It’s not just about being able to save a few hundreds of dollars; you can also save yourself time along the way. To do this, you might have to settle for a bundle home and auto insurance package. This could help you save between 5% to 25% if you get it right. 

Managing your auto and home insurance policies with a single insurer saves you the hassle of dealing with multiple insurance agents.

6. What About a Defensive Driving Certification?

Have you given this a thought? Taking an approved defensive driving course attracts discounts. By obtaining a defensive driving or accident prevention certificate, you send a message to your auto insurer that you care about your safety and that of your automobile. 

Be sure that your auto insurer offers the discount before you sign on. 

While all of these may appear simple, they have been proven to be effective in understanding how to reduce auto insurance premium. Regardless, seek the professional opinion of an insurance advisor before making these changes.