Drivers across the country spend significant amounts of money each year on auto insurance. Full coverage costs the average person nearly $1800 annually. To many drivers, auto insurance may seem like a non-negotiable sum that you're simply forced to pay, but the truth is that there are a number of different options you can take advantage of if you want to save big. Take a look below at four smart choices you can make to spend a little less on auto insurance.
Stop Driving to Work
Even if your commute is just a short distance each way, the miles can easily add up over the course of a year. Unfortunately, the more miles you drive, the more you're likely to pay for full coverage. There are several ways you can eliminate your drive to work. Buying a bicycle, using public transportation, and joining a professional carpool are just three popular ones.
The more secure your vehicle appears from the viewpoint of an insurance provider, the lower your payments are bound to be. You can show that your car is protected from threats of theft or vandalism by proving that it has one or more security features. Some of the most common features include an alarm system, electronic immobilizer, and GPS tracking system. Some insurance providers will also lower your payment if you can show you park your car in a locked garage rather than on the street.
Enroll in a Driving Class
Driving classes are another simple way to lower your perceived risk. Most driving courses are affordable and take place over the span of a single day or weekend, ensuring that you don't spend too much time or money. If your auto insurance provider offers discounts for safe driving classes, it's more than worthwhile to do the math and see how much you can save.
Pay All at Once
For those drivers who are able to plan their finances in advance, paying your entire insurance premium at once can save you a decent amount of money. It is standard for many providers to give discounts for payments made annually or bi-annually, rather than monthly.
If you are looking to cut costs when it comes to auto insurance, but aren't willing to sacrifice the quality of your coverage, keep the above tips in mind when shopping around for a new policy or when renewing your current one. To learn more, contact a local auto insurance policy provider.