No one wants to overpay for anything – but especially not for car insurance. With all of the hype surrounding car insurance savings, how do you know which policy is going to be right for you? The good news is that you do not have to sacrifice coverage for savings. While there are some complicated ways of qualifying for discounts on car insurance premiums, such as by purchasing a safer vehicle or improving your driving record, we want to emphasize the easy steps that could translate to savings right away. Continue reading to learn more about the 6 easy ways you can slash the amount you pay for car insurance as soon as possible.
1. Pay Your Premiums in Full
One of the fastest ways to lower the amount of your car insurance quotes is by offering to pay your premiums in full. Unlike most drivers, who pay their premiums in affordable monthly installments, drivers who offer to pay in full often qualify for additional discounts off their premiums.
2. Report Your Student’s Good Grades
Do you have a teenage driver who is on the honor roll at school? Be sure to fill your insurer in on the details. Maintaining a B average or higher is often enough to qualify for good student discounts. The discounts may not go away during college, either. Maintaining a high grade point average or even leaving a vehicle at home while living on a campus could procure additional discounts on coverage for young drivers.
3. Renew Your Policy Early
If you wait to renew your auto insurance policy after the old one has expired, you could be missing out on some valuable discounts. If you plan to stick with your existing insurer, make plans to renew your policy early. It could result in lower premiums. If you plan to shop around for lower rates instead, consider doing so a few weeks before your current policy expires. Some insurers offer discounts to drivers who request car insurance quotes early and switch without a lapse in coverage.
4. Enroll in Defensive Driving
If you think defensive driving courses are only for people with traffic violations, think again. Many insurers offer discounts to drivers who voluntarily enroll in a safety course. In Wisconsin, the cost of a defensive driving course may cost less than going out to dinner or a trip to the movies with your family. However, the savings often accumulate to much more. Best of all, you do not even have to leave your home to do it. Many driver safety courses can be completed online.
5. Review Discounts Available from Your Affiliations
If you are associated with any large group or organization, there is a chance that you could qualify for special discounts on your car insurance premiums. Large employers, alumni associations and club memberships can all qualify you for special discounts on premiums with certain carriers.
6. Go Green
Going green is more than a trend; it is a way to help protect the environment and save a little money while doing it. Talk with your provider to find out if you could qualify for a discount by automating your billing and payment process. Simply opting out of paper statements might make you eligible for lower rates.
If you live in or around the River Falls, Wisconsin area, you do not have to pay too much for car insurance. Discounts are out there if you know where to find them. Here at Reis Insurance, we help people just like you find hidden discounts on the coverage they need. To find out if you qualify for discounts, call us today to request your free, no-obligation car insurance quotes. We look forward to serving you soon.