Car insurance can get expensive sometimes, but it doesn’t have to be. There are plenty of things that you can do as a car owner to keep your insurance costs to a minimum. Once you understand what affects insurance costs, then you can start doing things that will allow you to take advantage of these criteria. Of course, being a savvy shopper will also get you a long way. So let’s take a look at some easy ways to save money on car insurance.
Shop Around
One of the simplest things that you could do to reduce insurance costs would be to flex your purchasing power and start looking at what’s available elsewhere. There are plenty of
comparison services that will allow you to find a better insurance deal than what you have right now. There is no reason for you to stay with an insurer unless they offer the best service you’ve ever had. Most top insurers offer similar services anyways, so don’t be afraid to look around and exercise your options.
Become an AARP Member
If you’re over 50 and not an AARP member, you should become one right away. Membership is only $16 per year, but you’ll get so many benefits.
AARP members can get cheap AARP auto insurance, for instance. Getting AARP auto insurance would allow you to save hundreds and even thousands of dollars in insurance in some cases. Look for an insurer that offers this type of insurance and see if they offer additional perks for members.
Make Some Additions to the Vehicle
Making some vanity modifications to a vehicle is usually not a good idea to keep your insurance costs low. But some additions could make your vehicle safer and less prone to vandalism or theft. Insurance companies like those, and you can expect most of them to give you some discount for installing devices that will make your car less attractive to thieves or likely to suffer accidents.
Adding something like a GPS, for instance, or an advanced security system could help you save money. You could also have the car’s main parts marked. This will make the parts easily retrievable if they end up on the aftermarket after being stolen and will also get you a discount in most cases.
Build a Garage
Did you know that insurance companies will charge you more if you store your vehicle on the street than in a covered garage? This might seem strange at first glance, but it makes sense.
Vehicles that are covered are less likely to suffer from damage from branches falling or weather. They are also much less likely to be vandalized or burglarized. So, if you have always wanted to add a garage to your property, know that you could get an instant discount on insurance as a bonus if you decide to go through with it.
These are all things you could do to keep your car insurance costs low. Consider which ones would actually be possible for you and keep searching for more ways to save.
