Drive Down Premiums on Auto Insurance

How would you like to save money on auto insurance? Doing your homework on discounts offered by insurance companies can reduce your rates. Let’s start the engine and embark on a road trip to explore money-saving tips to drive down your auto-insurance premiums.

Pack Your Vehicle with Safety Features

When buying a new vehicle, look for anti-lock brakes, air bags, auto-theft devices and day-time running lights. Newer safety features include adaptive headlights, blind-spot monitoring, front-crash prevention, lane-departure prevention, park-assist and backover protection). Check first with your auto insurance agent about discounts related to these features.

Map Out the Rules of the Road

Completing safe driving courses (for drivers 55 and over, drivers under 25 and defensive driving courses) may help you save money on auto insurance.

Steer Clear of Bad Driving Habits

Use a tracking device to monitor your mileage and various driving habits such as acceleration, braking, turns and speed. Even with modest savings on your premiums, you will likely improve your driving habits. Two bad habits to avoid are cell-phone usage and driving under the influence of alcohol. Texting while driving dramatically increases the likelihood of an accident. Drinking only one alcoholic beverage may impair your driving.

Maintain a Steady Course

Maintaining a clean driving record (no at-fault accidents or moving violations) for at least three years will qualify you for a claim-free discount (no claim was filed with your insurance company) when your vehicle, or the one it replaces, has been insured by the same company for at least three continuous years.

Revise Your Itinerary

Reducing your annual mileage may lower your premium. Consider sharing a ride or using public transportation when commuting.

Arrive at Your Destination

Although it is important to save money on auto insurance, premiums can’t be your only consideration. Having inadequate insurance coverage costs more in the long run. Therefore, it is equally important to purchase optimal coverage for your vehicle and driving needs. Potential cost-saving considerations include: the value of your vehicle, level of coverage, amount of deductible, rental-car reimbursement and gap insurance (replacement-cost benefits for new vehicles).

Find a Reliable Travel Companion

Shop for a trusted insurance company that offers competitive rates to save money on auto insurance. Click here for recent reviews of auto insurance companies in the state of Illinois. Ask about discounts for multiple vehicles, multiple insurance policies and student benefits. Your trusted insurance agent can help you find the optimal coverage at a good value.

Save Money on Auto Insurance

With a little savvy shopping, you too can save money on auto insurance. Especially true in the State of Illinois, that Land of Lincoln, whose face appears on the penny, “A penny saved is a penny earned.” Benjamin Franklin.

For more information or a free, no-pressure quote, call Jack Murray at (708) 396-2710

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