Drivers often pay their car insurance premiums blindly year after year, not realizing there are many simple changes they could make that could result in lower policy costs. If your insurance payments seem too high, you’re probably not taking full advantage of the discounts and strategies that could help you save significantly. Keep reading to learn some smart ways that drivers are lowering their Car Insurance in CT.
Seek Out Discounts
In today’s competitive insurance world, companies are offering customers a variety of discounts to help them save on the cost of car insurance. Depending on which insurance company you do business with, you could receive a discount for being a member of the military, a senior citizen, a college student or a new parent. Talk to your insurance agent to see if you qualify for any of these types of discounts.
Take a Defensive Driving Course
For a small investment, you can significantly lower your insurance rates by completing a defensive driving course. These courses are typically under $100, last only a weekend and can net you a yearly savings of around 10% on your car insurance. Talk to your insurance agent or local DMV for more information on where these classes are held and if you’ll be eligible for a policy adjustment once you’ve finished the class.
Lower Your Mileage
Driving less can mean big savings when it comes to car insurance. To most insurance companies, yearly mileage under 7,500 miles is considered eligible for a “pleasure rate”, and this discount can save you up to 25%. How can you do it? Often, combining errands, walking more and periodically carpooling or taking public transportation to work can be enough to get you into that sweet spot.
Combine Insurance Policies
Often, purchasing your automobile and homeowners insurance through the same company will make you eligible for special discounts. Combined policies are considered lower-risk to insurance agents, which means you can often slash overall costs by around 10-15%.
When it comes to transportation expenses, car insurance can be one of your biggest costs. Luckily, with a few simple switches, you can save significantly on the cost of your policy. For more information on great car insurance rates, contact Harrigan Insurance and Financial Services Inc.
