Easy Ways to Save on Car Insurance and Have More Money for Family Fun
Many people think they have no choice but to pay steep rates for car insurance, especially since most states mandate coverage so individuals who choose to drive uninsured cars face the constant risk of having to deal with huge fines. However, it’s not as hard as you may think to save money on insuring your car. That means you can have more money left in the budget to do interesting and memorable things with family members.
Check Insurance Rates Before Buying a Car
Maybe you’re at a point in your life where you’ve decided it’s time to buy a new car to meet your family’s transportation needs. You’ve probably thought carefully about things such as seating capacity, cargo space, and safety features but may not have considered how the type of car you buy could impact your insurance rates.
Before finalizing the sale, it’s a good idea to find a car insurance quote generator and input information into it that reflects the vehicle you’re thinking about buying. If the results consistently show you’ll have to pay higher rates to insure the car, you might want to look at different models or at least think about buying a pre-owned car.
When comparing new cars versus used ones, you’ll probably find used cars cost less to insure. However, there are other factors that make some pre-owned cars less desirable than new ones, particularly in terms of reliability and warranties.
Considering that you’ll probably use the car a lot and definitely don’t want it to break down and leave you and your family stranded, it’s smart to do business with reputable dealerships that sell cars backed by good warranties. You may even decide it’s a good investment to buy an extended warranty for more peace of mind.
Always Follow the Rules of the Road
If you’re typically a safe driver, you likely won’t have to pay as much for insurance compared to someone who has been in wrecks, gotten speeding tickets, or been reprimanded for driving under the influence. Some insurance companies even have discounts for drivers who can show evidence of safe-conduct behind the wheel.
Also, remember that by always following and being aware of the road rules, you’ll be keeping your family safer and reducing risks to other drivers. If it’s been a while since you last looked at the driving laws for your state, obtain a copy of the latest handbook. You might also want to take a defensive driving course. Doing that will refresh your memory about some driving laws and might also reduce your insurance costs.
Do Business With Nearby Insurance Agents
You may find it seems cheaper to get your insurance from a company in another state, especially if it offers a very low rate you’ve found through the internet. However, you’ll often discover even better rates by working with local insurance agents. Those representatives will take the time to form mutually beneficial relationships with you by listening to crucial details about your circumstances plus they’ll have a better understanding of the Michigan car insurance landscape.
Think of them as the people who can answer lots of things you’ve wanted to know about insurance costs but might have been afraid to ask. When meeting with an insurance agent in your community, it’s essential to be upfront and honest about the kind of coverage you can afford.
Once you have been with the same insurance agency for several years, you may be eligible for loyalty discounts. Companies sometimes have referral programs that let you save money for encouraging friends to get the same insurance, too.
If it feels like you’re putting so much money towards car insurance that you don’t have anything left to treat your family, you’re not alone. The tips above should help you make positive changes.