Every insurance company claims to have cheap insurance coverage for vehicles but what they don’t tell you is how to obtain these great deals. If you don’t take the time out to solicit important facts from your agent then you may be left in the dark on some special offers. I’d like to talk about some ways you can save money and how you can help save the planet while doing so. This plan is a part of a social experiment that I like to call “Take a Buddy Take a Bus”
We as Americans are heavy consumers of everything. We proportionally use most of the oil in the world, we eat more, and we just have more stuff. In order to save money on your vehicle coverage it might be in your best interest to look into changing how you commute on a daily basis. Do you find yourself driving over 40 miles a day to get to and from work? If so, you should really consider doing your part to reduce your consumption by finding alternative means to commute daily. Some insurers will help you get cheap insurance if you reduce your annual mileage. Asking specifics about the numbers you need to aim for will help you obtain the best coverage.
Some employers have been known to aid in their employees attempt at change. Ask your boss about any programs that could subsidize or even fully pay for your non-driving transportation needs. Whether it be the purchase of a ticket to ride the train or bus, the purchase of a bike, or new walking shoes you’ll like a hero if you can approach the higher-ups about your desire to change and how they as a company can look good by helping you reach your goals. Really pushing this initiative will help you get one step closer to finding cheap insurance for your automobile.
Another great way to save on vehicle coverage is to join forces with a buddy or family member on the same policy. This works best if the buddy or family member is older and has experience driving, as well as a good driving record. You could receive hefty discounts off the merit of their driving. Better yet if you have a roommate and you both rent, then you could both get a renter’s insurance policy in combination with your vehicle coverage and receive cheap insurance discounts for having multiple policies.
The thing about auto insurers is that they love to see people make an effort to protect their own assets. When people do this then it decreases the likelihood that the insurance company will have to pay out on a claim. If you let them know of your efforts they are willing to give you discounts according to what measures you have taken. Doing things like installing anti-theft devices and taking defensive driving classes will show that you are proactive about your safety and the insurance company will like this. Be sure to speak up about any changes you make to your vehicle to make sure you get that cheap insurance for all your driving needs.
he road to cheap insurance can be a bumpy one if you aren’t willing to use some creative thinking to find the best deals. This is especially true when looking to insure your vehicle because some information about policies isn’t disclosed if it isn’t directly solicited. So as a consumer you must be a bit of a detective in order to get the coverage that you deserve. Before you sign on the dotted line for any policy you should compile a short list of questions specific to your driving habits to ask any potential insurance agents.
The first question on every driver’s list should be about mileage discounts. If you drive under a certain amount of miles during the course of a year then you could qualify for some deep discounts. Be sure to ask the insurance representative specifics about the steps you need to take to put yourself in position to take advantage of such a great deal. If you can figure out a way to reduce your annual mileage then do so to get those discounts. You could qualify for that cheap insurance by carpooling with others to work. You could even take public transportation, ride a bike, or even walk.
The second question you should ask an insurance representative should be about how you can obtain multiple policies and how it could reduce your rates. Some drivers decide to add a renter’s policy to their plan in order to get these discounts and it works. Be sure to ask for it and don’t assume that the insurance company will just give it to you. By protecting your valuable items such as your TV., computer, and music devices you can save a few bucks and this will help you get cheap insurance.
Now if you can afford to do so, a great way to save a ton of money on insurance is to pay for your entire policy up front. This means that instead of paying monthly, pay on an annual basis so you know you are protected for the entire year. It may be worth saving a little cash to be able to do this when your current policy comes up for renewal. If you unable to do this right now at least try to qualify for some payment discounts that will reduce your rates if you pay automatically through a bank draft or something. Cheap insurance for your vehicle can be one step closer if you do this.
Lastly, if you have older relatives with clean driving records you can add these folks to your policy to receive discounts based on their driving history. What you don’t want to do is add their vehicle, just them as potential drivers. All of these small changes can help you find cheap insurance for your car, truck, or SUV. Insurance companies do reward other proactive steps too like installing anti-theft devices, taking defensive driving classes, and buying cars that aren’t on the “most stolen” list. Just be sure to ask about all the steps you can take to reduce your rates and still stay protected.
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When it comes to finding cheap insurance for young male drivers there are some things that you need to do in order to look more favorably in the eyes of insurers. This is because as a young male you will be lumped in statistically with a segment of the driving population that is responsible for the most vehicle accidents and the most claims filed. Insurance companies are going to want to charge you more than they would women or even men that are over 25. The following is 5 easy steps you can take to ensure that you won’t be taken for a ride on your coverage costs.
The first step to saving money on cheap insurance for young male drivers starts at the car lot itself. Before you even purchase a vehicle you must take into consideration the insurance implications of different automobiles. If you decide to buy through financing then you will be required by your auto-loan company to have full coverage on your vehicle. This protects their interest as well as yours. But, if you are able to buy a car outright then you will only be required to have your state’s minimum liability insurance and this difference alone will save you some serious coin. So if it is at all possible, drive a car that’s paid for.
The second step to getting a good deal on cheap insurance for young male drivers is to forget about the bells and whistles that can accompany or be added to a vehicle. Don’t go crazy with a lot of flashy after-market additions such as rims and high-end stereos to your car because doing so will make your car more of a target for thieves. Keep your rates low by sticking with the from-the-factory accessories and don’t go out of your way to make you car stand out.
The third step to finding cheap insurance for young male drivers is to become proactive about protecting your car. While not adding flashy after-market equipment to your ride is good for not bringing attention to it, the truth is that auto-thieves will still take a vehicle that isn’t protected. A good way to protect your ride is to use hi-tech anti-theft devices such as lojack or lo-tech devices such as steering-wheel locks. You could qualify for a discount on your policy for using these devices or you could eliminate the need for theft protection on your policy if you make it a habit of using them, either way you would be saving money.
The fourth way to save on cheap insurance for young male drivers is by putting safety at the top of your priority list. Start off on the right foot by practicing good driving habits and you will be able to qualify for major discounts as you continue to show your insurers your commitment to safe driving. Insurance companies are offering lower deductibles to clients that stay accident-free in 6-12 month increments. By driving well, not only will you save on policy costs but you will also save by not having to miss work due to injury or time in jail.
The final way to save on cheap insurance for young male drivers is to reduce your driving. I know this sounds crazy but it is an excellent way to get discounts on coverage. Insurance companies offer low-mileage discounts to those clients that only drive a certain distance away from home in a given year. You could talk to an agent about specifications and parameters surrounding this money-saving technique to see how you could make it work for you. These are just a few ways to save on your insurance coverage and I hope it was helpful to you.