Just because you need to carry auto insurance in Lancaster, California, doesn’t mean that you want to pay more for this coverage than you need to. Fortunately, there are things that you can do to save on your car insurance policy. Try out these money-saving tips for your car insurance coverage.
• Ask About Discounts</H3
While it seems obvious, many drivers do not ask their insurance agents about the various discounts that they qualify for. With all the different types of discounts out there, you’re practically guaranteed to qualify for one. For instance, many drivers save because they have a clean driving record, are good students, have safety upgrades in their vehicles, and much more. So, for an easy way to maximize your savings, make sure that you are taking advantage of all the discounts available to you.
• Drive Fewer Miles
The more you drive, the higher your auto insurance premiums will be. This is because the more you drive, the higher your risk for accidents and vehicular damage. By cutting down on the miles you put on your car, you can actually reduce your auto insurance premiums. As an added bonus, driving less also saves you money on gas and helps the environment.
• Be Wary When Insuring Teen Drivers
Teen drivers are more likely to get into an accident than more experienced drivers. This risk makes them very expensive to insure. If you are preparing to add a teen to your policy this year, then consider shopping around to find the carriers that will offer the cheapest rates for inexperienced drivers. Additionally, make sure you take advantage of other savings opportunities. For instance, many auto insurers offer teens discounts for being good students, passing traffic safety courses, and driving safe vehicles.
• Take a Defensive Driving Course
Some insurance companies will provide a discount for those who have completed a defensive driving course. This course will help mitigate the insurance premium raises due to accidents or tickets on your driving record. The discounts for the defensive driving course vary by state. Therefore, check with your provider to know how much they can offer.
• Larger Cars Cost More
Insuring a large SUV can be expensive, but a small, safe commuter car can help you save on auto insurance in Lancaster. However, the amount you can save depends on your car type, so check the insurance rates for different vehicles before making a purchase.
• Increase Your Deductibles
While buying a car insurance policy, you must choose a deductible, which is the amount your insurance company does not cover when paying for theft, accident, or other damages to the vehicle. For example, if the repair bill is $3,000, and you have a $600 deductible, the insurer will pay out $2,400. You can decrease your premium by increasing your deductibles. The deductibles may vary depending on the policy type, so consult with your insurer to learn about the deductible ranges.
• Reduce Your Coverage
You may not need all coverage options provided in your policy, such as roadside assistance, rental coverage, or collision or comprehensive coverage if your car is older and worth less than your deductible and premium costs. Whether buying or renewing, review your car insurance policy to remove the coverage you do not need and save on premiums.
These are some of the things that you can do to save on your auto insurance in Lancaster, California. Do you have additional questions about your car coverage? If so, then contact the experts at John E. Peakes Insurance Agency. Our dedicated team is eager to assist you with all your insurance needs today.