Want Lower Auto Insurance Rates? List Of Auto Insurance Discounts

Reader’s Question:

How do I know that I’m getting the lowest possible auto insurance rate here in Kansas?

Isis

Lawrence, KS

Good question. What most people don’t realize is that there are many ways to get one’s auto insurance rates and overall costs lowered. It takes just a bit of patience and the right know-how to do this effectively. Here are a few tips to get low auto insurance rates:

1. Improve Your Driving History – Still the best way to lower (or maintain) affordable auto insurance rates. Remember that any accident or driving violation may be counted by your insurer on the risk you carry. The higher that risk the costlier rates become.

2. Deductibles – A bigger deductible will reduce the amount of auto insurance premiums you pay. You don’t want to raise it too much though for those times that you absolutely must file a claim.

3. Remove Redundant Coverage – Personal Injury Protection (PIP) works just like a reliable health coverage plan if ever you get involved in an accident. If you already have good medical insurance then eliminating PIP will save you money.

4. Drive Less Frequently – Reducing your annual mileage to 15,000 miles or less reduces can make you entitled to receive a low mileage discount.

5. Teen Discounts – If you have teen drivers and they maintain an average grade of 3.0 or higher then your policy may qualify for some good student discounts.

6. Shop for Rates Online – Undoubtedly the best way to shop for low auto insurance rates these days. Auto insurance portals (like this website) allow you to run rate checks on multiple insurers simultaneously. Not only does it save you time but it also maximizes your chances of finding the insurer that offers the lowest rates for you.

7. Other Discount Options – Look for other discount options from your insurer such as defensive driver discounts, no-claims discounts, safe car discounts and senior driver discounts. Discounts are really a great way to lower your overall auto insurance costs.

Applying these seven (7) easy steps will definitely help you save some much needed dollars on your auto insurance expenses.