How Do I Fight High Car Insurance Rates ?

Reduce your premiums by understanding your car insurance policies

A question you commonly ask is “ Why are my car insurance rates so high ?”  Reduce your premiums by understanding your car insurance policies and how the rates are set.  Then you can get instant auto insurance rates online to Compare Insurance Rates and save you even more money.

There are 5 basic ways to reduce your car insurance rates.  Why are my car insurance rates so high ? can be answered by reviewing your car, your lifestyle, your provider, and your policy.

Your lifestyle
how could that possibly affect your insurance rates?  Well your lifestyle dictates what type of vehicle you drive, how much driving you do, and whether your personality lends itself to driving fast and carefree.

No we aren’t telling to turn your lifestyle inside out to save a few dollars.  There are however some small things you can do that will save you lots of money.

Drive Safely
Insurance companies offer special discounts to safe drivers which can translate into big savings.  Each year of accident free driving earns you a discount which compounds over the years to a maximum discount rate.  If you have been insured with the same carrier for several years without an claim you will earn an additional discount. 

No tickets for speeding and no traffic violations equals a discount on your premiums.  Statistics show that for every speeding ticket you get within a one year period, your chances of being at fault in a motor vehicle rise almost 100% per ticket.  So you can see why an insurance company might penalize you for speeding tickets and reward you for no speeding tickets.

The less you drive the lower your premiums will be.  Carpooling or transit are good options to  go to and from work, your rate will go down  If you’ve got kids who drive, it's going to be harder to qualify for a safe driver insurance plan but it can still be done.

Your Policy
The type of usage insurance you carry can also reduce your premiums.  If your vehicle is used only for pleasure your rates will be less than if it is used to go to and from work.  This is because the chance of having an accident increases when you are traveling in heavier traffic time periods. 

You’ll also save a few dollars if you live close to work.  If you carry insurance that covers you to drive to and from work you’ll notice there is usually a question that asks less than x miles or more than x miles.  If you are in the lower category you will save a little more.  Click Here to Save Money on Auto Insurance.

The kind of vehicle you drive plays a big role on the rates you will pay.  High profile cars such as cars that are popular to steel, sports cars, and SUV’s will cost you more for insurance.  New expensive cars will also cost you more because the cost to repair is so high.

If you add safety devices to your vehicle you can earn additional discounts.  Installing air bags, automatic seatbelts, and anti-lock breaks will all improve your rate on medical and un/under-insured motorist coverage.