How to Reduce your Car Insurance.

By: Flyer1

Many people look to reduce their car insurance rates but do not know where to start. The following ideas can help you save from a small amount to a large amount. Having information is the key to start the process if reducing your rates.
<BR><BR>One of the first items I would look at is your deductable. This is probably the easiest way to reduce your cost of insurance. Many people first choose the $100 deductable however, if they would move to $500 or $1000 they would realize a significant reduction in insurance premiums. When you have a higher premium you are assuming more risk and thus your cost will be reduced. You will be responsible for some of the minor damages that occur to your car so be prepared.
<BR><BR>How many miles you drive per year can affect your insurance rates. This make sense. The more you drive the more you are at risk to have an accident. So if you know you will not be driving a lot of miles, than talk to your insurance company to have your rates reduced. I would only look at this option if I knew that I was not going to drive a lot. I may even look at other forms of transportation; maybe car pooling could be an option.
<BR><BR>Car alarms can be another way to help to reduce your insurance rates. Even the basic alarm that makes noise when someone tries to break into the car can be helpful. this is especially true if you live in a high crime area. More crime more chance of a problem with your car. A basic alarm often times will be enough to ward off any potential theives. Be careful though because most insurance companies have certain standards regarding the types of alarms.
<BR><BR>Whenever you add a driver to your car policy you will usually affect the rates. For instance, if you were to add a young driver with no or very little experience, your rates will much higher. If however; you add a person who has been driving for 30 years, your rates could actually be lower. Good advice would be to ask your insurance company their policy on adding drivers.
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