Reader’s Question:
I’m currently paying very high auto insurance due to a bad driving history here in Gulfport, Mississippi however my soon to be wife has, by contrast, excellent credit and driving record and we were wondering if this can help us improve my car insurance rate?
Lando
Gulfport, MS
By law, whatever assets or liabilities your spouse has is automatically shared or shoulder by the respective husband/ wife. Your spouse’s excellent credit rating and driving record should help in easing up on your car insurance costs however, relying on excellent driving and credit history alone would not be enough to give you substantial savings or be offered better rates. Remember you mentioned you have a bad driving history yourself so both of your scores might just wind up balancing each other out. Here’s a few tips on how to save on car insurance premiums there in Gulfport, Mississippi.
Defensive Driving Lessons
Not only will this teach you how to become a safer driver. Completing a state certified defensive driving course can actually improve your bad driving history and make you eligible for discounts on your car insurance. Talk to your insurance company before enrolling to make sure that they will recognize the defensive driving course you’re going to take.
Make timely payments on Car Insurance Bills
This is a no-brainer but is still worth mentioning since not many people with bad driving histories recognize the benefit of paying car insurance bills on time and in full. This establishes a good payment history with your provider, which in turn opens up better deals and offers for you in the future.
More Air Bags
Not just more air bags! The safer your car is, the more discounts you can get on your car insurance rates! Making your vehicle safer against injuries from car accidents, by installing additional passenger safety mechanisms, goes a long way in lowering your car insurance premiums.
Tags: automobile, car insurance discounts, car insurance rate, credit score
