Car Insurance Premiums And Discounts

There are so many ways in which you can save money on your car insurance, the best, not to name the fastest way to make sure you get the cheapest car insurance policy is to shop around for your insurance policy.

You can do this yourself by going online or by talking to an insurance broker to do the legwork for you.


One thing to check out is to keep your car and home insurance with the same company. There are companies who can offer savings by you taking both policies together. Sometimes you can save around 40% on your car insurance policy only by having the two policies with the same carrier.

Another thing that will give you a discount is your credit score. Insurance companies believe that drivers with good credit scores are good risks and should be rewarded by getting a discounted premium.

Of course your drining record will determine a big part of your premium. A clean record with no accidents for the past three to five years will give you a big discount.

All the safety features that are installed on your car can help bring your premium down. Only by having a passive alarm system and window etchings, you can get huge savings.

Your zip code can make all the difference between the amount you are quoted for your premium as certain areas and their postcodes are deemed as high risk/crime areas and as such you pose a greater risk just by living in an area such as this.



Jr. drivers will commonly ante up a higher cost for their car insurance, due to their inexperience on their road and statistics that say they are more likely to be involved in an accident.

Women drivers - despite the man jokes about their driving - are classed as safer drivers and there are certain sites aimed especially with these people in mind who can offer discounted premiums.

If there is more than one driver and two or more cars in the family then you can get a great deal on your insurance by picking a special deal for two or more drivers. This can save you a whole lot on your insurance, which of course benefits the whole family of drivers.

One mistake that most of the people make is to stay with their insurance company year after year and not even think of switching. People who don't shop around when it comes to having their policy renewed could be paying about 30% more than they should be for the same level of coverage.


So when it comes to buying your car insurance policy don't become complacent! By putting a little time and effort in to shopping around - or having your broker to do it for you can help you save hundreds of dollars on your car insurance.

By: Demitris Sideris

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