Leigh Insurance Agency of St Augustine Blog
Auto insurances can be very pricey because of how big lawsuits on vehicular accidents can be. It can be an intimidating factor when it comes to buying a car. Don’t worry, though! There are a couple of strategies that can alleviate the burden on your budget. If you take these tips to heart, you can be proud of not paying more than what you have to.
Here are the five biggest tips you can use to lower auto insurance costs:
#1 – More Drivers and/or Cars May Save Money
The classic principle of business is that buying more can save more. For example, insurance for only one vehicle will have a higher quote than insuring several drivers and cars in a company. This strategy allows a steady stream of life in the automotive insurance business. Discounts are given to familial partnerships, joint ownership of a car, student discounts for grades B and above, etc.
#2 – Be a Mindful Driver
Safety driving is a bit of simple-enough advice, but it is vital in this day and age of countless lawsuits. Traveling companies usually offer a driver being mindful of their surroundings safe driver discounts. Depending on their driving record, it may be around 10% to 25%.
#3 – Bigger Car Means Bigger Price
This tip goes down to how hard it is to maintain a big vehicle like an SUV. Fuel consumption, among others, would make it disadvantageous compared to a smaller and safer commuter car. Hybrid and alternative cars offer a good insurance discount for using more environment-friendly fuel. Talk about saving the environment and your money at the same time
#4 – Good Credit Ratings Have Considerable Effect
It shouldn’t be surprising that your driving record determines your auto insurance costs. Some statehouses are not too fond of this principle, but insurance companies base this on a driver’s responsibility with their personal life. If there are no file claims, your high credit rating might allow you to pursue insurance premiums.
#5 – Researches about Discounts and Coverage You May/May Not Need
Insurers might offer discounts to annual/six-month pay, agreement to receive e-bills and memberships in specific organizations. Also, don’t forget to consult your insurer about unneeded policies like roadside assistance and car rental coverage.
Even if auto insurance can be scary to consider because of its cost, never forget that there are tips to save your money. Several important factors like the type of vehicle, your credit rating, and the simple removal of unnecessary policies can help a driver like yourself in the long run.
At Leigh Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (904) 826-0799 or Click Here to request a free quote.