Auto insurance is necessary for anyone planning to drive a vehicle. Basic auto insurance, also called liability insurance, is required by law. Aside from the legal aspect, auto insurance is also important because it can protect you from the financial impact of an accident. If money is tight, fitting an auto insurance policy into your budget may not be easy. However, there are some ways you can save money on auto insurance. Follow these four steps to get the best deal:
1. Do some comparison shopping.
The practice of comparison shopping is familiar to most people. Browsing different stores to find the best deal is practically second nature when it comes to everyday goods, and you can benefit from applying the same methods to auto insurance shopping. Compare insurance rates for the most popular insurance agencies that provide service to your area. Find out where you can get the best deal by contacting insurance agencies directly and asking for a quote based on your personal situation.
2. Mention any certifications you have.
You can save money on your car insurance if you have certain certifications. These certifications may be related to driving, but they don't have to be. Even having your food handler's safety certificate can reduce your premiums. When speaking to an insurance agent on the phone, make sure you mention your highest level of education and any licenses or certificates you hold. These things are correlated with lower rates of traffic accidents, so your insurance agent may be able to lower your premium accordingly.
3. Choose the minimum amount of coverage you require.
If money is an issue, you may want to forgo the pricier auto insurance policies. Comprehensive auto insurance can give you peace of mind, but it may not always be necessary. When you have comprehensive auto insurance, your insurance company will pay for damages and repairs to your car even if you were at fault or the other driver was uninsured. If you drive a used car, especially one that's older, comprehensive coverage may not be worth it. Choosing an inexpensive auto insurance policy that covers your liability may be in your best interest.
4. Drive safely.
Driving safely is the best way to save money on your auto insurance over time. Getting into a car accident can raise your insurance premiums, which will make it more expensive to keep your car insured. Some insurance companies even offer incentive programs that reward drivers who don't get into collisions over a long period of time.
Contact a company like Germain Insurance Agency to learn more.