Bad drivers can find the coverage they need in the high-risk pools run by states, while superior divers can get the lowest rates simply by sopping around. Between those two extremes lie the average drivers and they need coverage too. This article provides some tips those average drivers can use to save money.
Sometimes it seems like there are special car insurance programs for all kinds of drivers, including drivers with DUI convictions, drivers with speeding fines and young drivers still learning how to handle their cars and stay safe behind the wheel. In fact, at times it seems like the only drivers without a special program to save them money are the average drivers.
The average driver is the one who does not have a totally clean driving record, but not a totally terrible one either. That driver may have had a few youthful indiscretions, and a few speeding tickets, but he or she is by no means a high-risk driver. Those average drivers often have just as much trouble finding affordable car insurance as young drivers and drivers with lots of traffic problems lurking in their pasts.
Fortunately, there are some ways average drivers can save money on the car insurance they need without putting their protection at risk. While there may not be any special government programs designed specifically for the average driver, there are a number of discounts and other incentives those drivers may qualify for.
Consolidate Coverage
One possible way for average drivers to save money is by consolidating their coverage levels. If you own a home or rent an apartment, you might be able to save a lot of money by moving both your homeowners or renters insurance and your car insurance policy to the same company. You can start by contacting each company and asking for a combined coverage quote. You can then choose the company that provides the lowest rates on the combined coverage you need.
Average drivers can also look for additional discounts, including the discounts that come from not having an accident. If you are an average driver, you may have had a few accidents or speeding tickets, but as those events get further and further in the past their impact on your car insurance rates should get less and less. If it has been more than a few years since your last accident or traffic violation, it is time to contact your insurance company and ask if you qualify for a safe driver discount.
Shop around Average drivers can also save a lot of money by shopping around for new coverage. In many cases your current insurance company simply cannot provide the lowest rates, even if they had the lowest premiums when you first took out your policy. The truth is that every insurance company uses a different set of factors when they set their rates, and it could be that the company you are with uses factors that work against you.
By shopping around, you can find a car insurance company that bases their premium decisions on factors that put you in a better light. For instance, one company may reward you for a long tenure with your employer, while another may give you extra points for a good credit score, or for maintaining a good driving record over the past year. Seeking out companies that reward your strengths and do not dwell on your past problems is one of the best ways to find cheap car insurance.
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