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July 09, 2010

Keep Your Car Insurance Premium Under Control

Car Insurance Car insurance premiums can be unruly.  And unless you keep your premium under control it can take over your budget in no time at all.  Pretty soon, you’re paying hundreds of dollars a year more than you should be for car insurance, and there’s no money left for the things you want. 

Follow these steps to tame your car insurance rate and keep some of that money for yourself.

Don’t have an accident.
The worst thing you can do for your rate is to have an at-fault accident.  So drive carefully.  Stay off the phone -- studies have shown that a driver using a cell phone is four times more likely to be in an accident. If you need to make a call, pull over somewhere safe.  Don’t drive aggressively -- stay calm behind the wheel and respect others. If someone is driving rude and aggressively, just let them pass and don't get caught up in it.  And don’t drive too close -- remember that the distance should be one car length per 10 Mph. Increase the distance in unfavorable conditions.

Pay your bills.

One of the worst things you can do is stop paying your insurance bill -- even if you’re getting ready to switch companies.  Missing a payment or letting your auto policy lapse puts you at risk if you have an accident and lowers your credit score.  Plus, many insurance companies use a customer's credit history or credit score to help determine their rate.  So it’s a good idea to check your credit report and make sure it’s accurate.

Look around.

Do you love your insurance company more than a few hundred dollars?  The cost of car insurance can vary by hundreds of dollars or more from one company to the next for the same coverage.  To be sure you’re getting your money’s worth, you should get at least three quotes.  It takes just a few minutes to get a quote and there’s no obligation.

Sponsored article by 21st Century Insurance.

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