Four Tips to Help You Get a Better Deal on Your Car Insurance

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Right now, personal auto insurance is the only mandatory form of insurance in the U.S. So no, you can’t get out of paying for car insurance — but there are a number of things you can do to help reduce the amount you pay each month.

If you don’t want to pay the $84,000 that the average driver will spend on a personal auto insurance plan throughout his or her lifetime, check out these four tips for cutting down on your payments:

1. Take a defensive driving course: Defensive driving courses only cost about $40, and you can complete the course whenever it’s most convenient for you. And for those small costs, you can benefit by paying up to 10 to 15% less on your car insurance each month.

2. Try to drive less: Most insurance providers offer reduced premiums for low-mileage drivers. If you don’t drive very much — or if you can manage to cut down on the amount of miles you drive — you should check about getting your insurance reduced to fit your mileage.

3. Switch insurance providers: There are a number of different car insurance agents and companies that are looking for new customers, and will give you a highly attractive instant car insurance quote. If you’re sick of paying too much with your current provider, try to get a free insurance quote today.

4. Switch to an independent insurance agent: Independent insurance agents boast even lower personal auto insurance premiums than some of the bigger companies, because they have fewer overhead costs to cover. They also offer pretty much any other type of insurance as well, so your independent agent can act as a one-stop shop for all your insurance needs.

Any other tips you use to cut down on car insurance costs? Share them with us in the comments! Good references here:

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