Here they are: our 10 tips for getting affordable auto insurance for your family.
Love the road trip? So do we. It’s so much fun to hop in the car, turn on the tunes, and cruise down the highway in search of family adventure.
But before you go, there are a few things to sort out: packing the car, getting it roadworthy, and getting good auto insurance.
In fact, getting good auto insurance is crucial, as an accident can cost your family a lot of money if you’re not insured. That said, there’s no need to pay a fortune for travel insurance, so we’ve compiled some helpful tips for saving money.
10 Tips for Getting Affordable Auto Insurance for Your Family
Whether you’re insuring the family mini van, a tiny smart car, or a SUV, these tips should help save you money on travel insurance.
1. Find Quotes Online
Although you might think that the closest insurance office you can find in your city will provide you with the cheapest car insurance, that’s usually not the case. To find better options, start checking online and comparing insurance quotes on a site that gives you an auto insurance price index to determine which insurance policy and coverage ensures lower costs.
2. Be Careful How You Choose Your Car
Whether you need a new pickup truck, or you’re interested in buying a family car, it’s important to be aware that vehicles with certain qualities and features are harder and more expensive to insure than others. For the cheapest plans, avoid large engines, AWD systems and expensive electronics.
3. Choose the Best Insurance Companies
Top-rated insurers are usually the ones that offer you the best value for your money. If you want the best premiums, and you’re on a tight budget, look up reviews and testimonials to find out which insurers are fair and helpful when it comes to claims, and which ones are known to jack up your premium when you get injured in an accident.
4. Keep Your Driving Record Clean
If you have a record of unsafe driving, speeding tickets and accidents, your rates can be severely affected. To make insurance companies trust you, drive safely and avoid even minor crashes.
5. Expand Your Driving Knowledge
Driver safety courses are all the rage nowadays, and for good reason. Not only do they offer inexperienced drivers good advice on how to stay safe and employ preventive driving practices, but they can also get you a lower car insurance premium.
6. Use Anti-Theft Devices
Even though most cars come with a standard security system, it’s always best to be safer. Insurers know this, and they use low premiums to encourage drivers to use advanced anti-theft devices to avoid having their cars stolen.
7. Hunt for Discounts
Discounts are available with many insurance plans. Some car insurance companies will give you an excellent discount if you’re a student, an older driver who took a refresher course or a member of various affinity groups.
8. Keep a High Credit Score
Aside from a low interest mortgage, a higher credit score can also get you a lower auto insurance premium. For best results, check and correct credit report errors, improve your finances, and ask your insurer for an exception.
9. Report Your Mileage
Understandably, people who drive less pay less on insurance. If your average mileage per year is lower than 12,000 miles, talk to your insurer, and you might get as much as 10% off on your premium.
10. Use the Same Insurance Company for All Your Vehicles
Multi-vehicle insurance has long been known as a viable means of securing lower insurance premiums. If you, your spouse and your children all own cars, SUVs or pickup trucks, ask your insurance company about multi-vehicle discounts and savings.