Forbes and Consumer Reports list the following features + safety systems that could save you money with insurance providers:

• Anti-theft devices (alarm, GPS tracking like Lojack)
• Automatic headlights + day-time running lights
• Comprehensive airbag systems
• Forward collision detection systems
• Blind spot warning systems
• Emergency braking systems with ABS
• Lane departure warning systems
• Backup camera + detection systems

Depending on your zip and insurance provider, you could save money on your new car policy if it has some or all of the features above.  Thanks to sites like AutoBargainz, you can compare different policies from top insurance providers side by side with no obligations.

Get more information on how much you could save – start by entering your state and zip here:

Drivers: The world has changed a lot in the last two years – you’re probably working from home more and driving less. Most policyholders don’t know that rates are calculated off yearly mileage, which means now you are most likely overpaying for your car insurance.

Often just comparing new rates helps many drivers find savings that they otherwise wouldn’t have known about. Factors that can impact your policy rates may include credit score, your age, location and more. Take a look and see if you have the ability to save money on your car insurance today.

Remember when insurance providers compete, consumers win. The average consumer compares quotes from at least three companies prior to making a decision. Leverage the competitive market to find a price that fits your unique financial situation. Don’t leave money on the table by not comparing your options.

If you are currently driving less than 50 miles a day and fall into one of our qualified zip codes, you may be entitled for a massive discount on your auto policy. Consumers in your area compared policies from top insurance providers in less than five minutes and were blown away by how much they were overpaying.

No more headaches and applications – we’ve made it ultra simple for you.

Curious about how much you could save?

Get started today with zero obligations. AutoBargainz makes it simple:

Although a variety of factors, including the state you live in, determine how much a typical driver pays, you may nevertheless be able to reduce your costs. To give you a better understanding of what goes into insurance prices, we list some of these factors below, followed by some tried-and-true ways to save.

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Factors that Affect Costs

There are a number of different factors that influence what you end up paying for car insurance. Depending on these factors, your rates may fluctuate. For example, you can get better rates by driving for an extended period without accidents or tickets. You may also qualify for lower rates simply as you get older and have more driving experience. Age and experience are among the multiple factors that determine auto insurance costs. These broad-based underwriting criteria include:

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• Age and gender

• Marital status

• Years of driving experience

• Coverages and deductibles

• Type of vehicle

• Location of vehicle (state)

• Whether the vehicle is used for work or personal transportation

• Driving record

• Claims history

• Credit history

• Previous history of insurance coverage

Ways to Save

It’s possible to save money on your car insurance simply by being proactive. You should constantly check for discounts, compare different rates online, and look to take advantage of other excellent opportunities that may be available. There are discounts for education, good driving, or even installing safety equipment. You could get savings by doing any of the following:

• Insure more than one car

• Maintain a good credit rating

• Get good grades (if you’re a student)

• Take advantage of low-mileage discounts

• Increase your deductible

• Drop collision coverage on older cars worth less than 10 times the premium

• Install anti-theft devices

• Take defensive driving courses

• Remain a long-term customer

• Have no moving violations or accidents in three years

Insurance costs can fluctuate for many reasons. When you take charge of your coverage, you can identify what things may help you save. That’s why it’s important to shop for insurance, research any available discounts, and let your agent know that you may qualify for lower costs. Keep these tips in mind when it’s time to renegotiate your premiums or shop for new auto coverage.

]]> https://www.autobargainz.com/blog/auto-insurance-reducing-your-costs/feed/ 0 https://www.autobargainz.com/blog/tips-for-saving-on-auto-insurance/ https://www.autobargainz.com/blog/tips-for-saving-on-auto-insurance/#comments Tue, 06 Feb 2018 18:37:26 +0000 http://autobargainznew.effectxpress.com/?p=3966 Auto insurance is a necessity, but for many, it can be financially overwhelming. Did you know that you may be able to reduce your auto insurance bill without sacrificing your level and quality of coverage? Find out how you could start saving with these helpful tips.

Bundling May Save You Time & Money

Bundling multiple family members under the same policy is likely to qualify for a group discount and can be an effective way to lower your auto insurance bill. Additionally, many insurers offer multi-policy discounts if you bundle more than one kind of insurance (i.e. auto, homeowners, renters, or boat) through their company. Consolidating policies with the same company could, therefore, offer not only savings but added convenience in having one agent and one payment for all your insurance needs.

Increase Your Deductible
If you get into an accident and are responsible for costs, the deductible is the specified amount you must pay before your insurance begins to pay a claim. Increasing your deductible can help lower your monthly insurance costs substantially. If you do choose a higher deductible plan, however, it’s important to have enough money set aside to pay the deductible if necessary.

Maintain Good Credit

One of the less obvious benefits of establishing a solid credit history is that it could help cut your insurance costs. Insurers often look at credit scores to help price auto insurance premiums for their customers. To confirm you’re getting the best price possible, ask your insurer if your credit score will be considered. If it is, be sure to keep your credit score in good standing by paying bills on time and regularly monitoring your credit report.

The four major big brand insurance companies are always a good place to get an idea of your rate. These are Progressive, Allstate, Geico, and State Farm. Remember your rate is for you. Some people pay more or less but the reason is because they may have more collisions or possible safer drivers or so on. However always know that you are not limited to one company. So it may be worth looking into or investing in smaller insurance companies near you. Who knows, they may even offer ; just for you! Use the internet or look around in your area to find local insurance companies! Whatever it is, just don’t limit yourself.

Here are some reasons your car insurance costs so much, with some additional ideas on how you could lower your insurance rate.

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You’re Too Young

Younger drivers pay much more for car insurance than older drivers. The main reason for these high rates is that young drivers are statistically more likely to get into car accidents that result in costly claims for insurers.

One of the best ways for younger drivers to lower their premiums is to share a policy with an older family member. By doing so, that individual could reduce their overall insurance bill by 58%. Younger drivers could also qualify for good student discounts or take additional training courses to bring rates down even more.
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Your Gender

Young men are particularly likely to pay a lot for car insurance. A study from Value Penguin found that though a 20-year-old man pays about 16% more than a woman of the same age, the difference evens out as drivers get older. Older women actually pay slightly more than men of the same age.
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You Have a Low Credit Score

If your credit score is poor or not yet built up, you may be seen as a “high-risk driver.” Your credit score could impact your insurance regardless of your driving record, age, or car. By boosting your credit, you may be able to save on your insurance costs. 

You’re Paying for Full Coverage

Typically a new car owner should get full coverage for their vehicle. However, as your car depreciates in value, full coverage might not be worth it anymore (especially if you maintain an excellent driving record). Comprehensive and collision insurance cover the cost to repair or replace your vehicle if it is damaged, less your deductible- which is the amount you have to pay out of pocket before your coverage kicks in. Policies that include high liability limits as well as comprehensive and collision coverage with low deductibles are particularly expensive.

You Drive Less Than Your Insurer Thinks 

Accuracy counts when it comes to estimating your annual mileage. If you overestimate how much you drive, it could cost you. The mileage you previously submitted to your insurance provider may have changed since you picked your plan. Take a moment to estimate how much driving you’re currently doing. Give your insurance provider a call and give them the updated figure. A few minutes of calculating could save you hundreds on auto insurance.

You Live in an Accident-heavy Area

There are lots of factors that impact insurance rates in a state, including minimum coverage amounts, the number of uninsured drivers, and even how well-maintained the roads are. If you live near a congested road, highway, or shopping area, you’ve likely seen a few accidents. Your auto insurance provider may increase your insurance rate if you live in an accident-prone area. Remember to keep your insurance company updated if you move to a rural or less busy area since it may end up lowering your car insurance costs.

More Ways to Save on Insurance

If your car insurance is too expensive, there are a number of steps you may be able to take to lower your rate. The most important thing you can do is shop around for quotes from multiple insurance companies. Just because one company is charging you high prices, doesn’t mean you won’t be able to find a great price elsewhere.

1. Maintain a Good Driving Record. If you’ve never been at fault for an accident, ask for a safe driver discount. Car insurance quotes for safe drivers could help you lower the amount you pay every month. In addition, accident forgiveness could also play into lowering your car insurance rate.
2. Get Good Grades. If you are a student, getting good grades can earn you a discount on your coverage. Additionally, parents who have a high school or college student on their policies could also get a discount for the student’s good grades. A “B” average or higher is usually required for this discount.
3. Ask for a “Leisure Driver” Discount. Do you just drive to and from the grocery store? Are you just using the car to visit family once per month? If so, ask for a leisure driver discount. This type of offer is typically reserved for those who drive fewer than 50 miles per week.
4. Get an Anti-Theft Device. Do you have a car alarm or tracking device on your car? If so, you may try asking for an anti-theft device discount. Your agent should be able to provide you with car insurance quotes based on active and passive anti-theft devices.
   
5. Reduce Coverage for Older Cars. Is your car getting old? Consider getting car insurance quotes for the minimum coverage required by law. When the value of your car is low, you might not need full coverage anymore.
6. Get a Car with Anti-Lock Brakes. Cars with anti-lock brakes may also qualify for a discount. These devices tend to reduce the likelihood of an accident, and insurance companies offer better rates to drivers with lower risks.
7. Bundle Your Insurance Policies. Do you need homeowner’s insurance or renter’s insurance, too? For many drivers, it’s possible to get a multiple-policy discount. Using the same insurer for your homeowner’s, life or car insurance policy could lower your premiums.