1. Switching policies?
Switch all you want, as long as you make sure you are completely covered at all times. Don’t forget to pay the premium on time as there is every chance that your insurance coverage will lapse. And that will only spell trouble for you.
2. How Good is your Credit?
Your credit score seems to be a key factor in insurance companies deciding on what insurance rates apply to you. For some strange reason, it is believed that bad credit records leads to more claims.
3. Do you drive less? Congrats, less is more!
You are entitled to a low-mileage pricing - just bring it to the attention of the car insurance company that you drive for very low distances only. It will take some convincing, but it’s worth it. Logically, the higher the distance you drive in normal course, the more the dangers.
4. Increase, don’t decrease your Deductible
One of the easiest ways to reduce your car insurance premiums is to hike up your deductible. Just make sure you have the funds to pay whatever you are liable for, if you get in an accident.
5. Don’t leave Your Discounts unclaimed
You get a lot more if you are one of those car owners who have got anti-theft protection devices inside your car. So safety features such as anti-lock brakes, etc entitle you to a discount on your premiums.
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