When you receive your car insurance statement in the mail around your birthday each year, you don't have to accept that the number on the bottom of the page is the one you'll be paying each month. If you like the idea of saving money, it's relatively easy to make some simple changes to how you approach driving that can translate into a lower car insurance rate. Getting a lower rate is about more than just staying accident-free and avoiding tickets for things such as distracted driving. If you already follow the rules of the road, introduce these changes and you'll be paying less each month.
Make Changes to Your Commuting Style
Driving to work in your own vehicle certainly has its share of conveniences, but these extra hours that you're spending on the road from Monday to Friday equate to a higher car insurance rate because rush-hour driving carries a higher risk of being in an accident than other times. If you can find an alternative way to get to work, you'll be in line for a rate reduction from your insurance provider. Depending on the distance between your home and work, methods to consider can include riding a bike, traveling in a neighbor's vehicle or taking public transit.
Head Back to the Classroom
Signing up for a defensive driving course, which typically includes a classroom component and some behind-the-wheel training, will give you the knowledge and experience to be a better driver. As such, you'll have less of a risk of being in an accident, which is something that will appeal to your insurance provider. Call your agent to ask what type of discount you could receive for taking a defensive driving course. Each insurance company has a different approach to giving discounts in this area, but if doing so will cause your provider to reduce your premium, taking the course can be well worth your time.
Park More Securely
A vehicle break-in is an inconvenience at the time, but can also lead to a higher insurance rate. You can reduce the risk of break-ins -- and the chance of your insurance rate increasing as a result -- by pledging to park securely at every opportunity. This can mean using your garage instead of your driveway at home, finding monitored lots when you're out and about and also parking near building entrances and streetlights when you're out in public. These habits can deter would-be thieves and, in turn, help you keep your insurance rate low.
If you're wondering how else you can lower your insurance premium, consider speaking to a local car insurance company, such as TLC Associates, to discuss your options.