Saving money has become a virtual holy grail for most Americans. Between inflation, the frighteningly high cost of college tuition (and the number of adults going back to school) and the backlash of an economic recession that hasn't pulled itself back around there are more bills and expenses due than we're able to pay! So why is your hard earned dollar going into the pocket of your auto insurance company's CEO instead of your own?
Don't get me wrong. If you've got a car and a license and you're spending any amount of time behind the wheel having auto insurance is absolutely, positively, 100% non-negotiable. You've gotta have it. You know you've gotta have it. That doesn't mean you have to pay a fortune for it!
Because you've got better things to do with your money, here are some quick, simple, tried-and-true methods for trimming 10-20% off your car insurance rates:
1) Behave yourself when you're behind the wheel. Yes, it's fun to put the pedal to the metal when you're flying down the interstate, but it's not nearly as fun when you're paying the ticket and dealing with the sharp rise in your auto insurance rates! Follow the rules of the road to the letter and you'll have no problem keeping your insurance rates under control.
2) Shop carefully when you're choosing a car. Certain cars cost more to insure than others, so you need to know exactly what you're dealing with. Check out the Insurance Institute for Highway Safety to see where your car falls in their "high risk vehicles" list. A low risk car will cost you a whole lot less to insure.
3) Is your car decked out with the latest and greatest in safety features? Seat belts, air bags, anti-lock brakes, fuel switches and GPS locator systems will do great things to keep the bills after an accident down...and your auto insurance rates along with them. When your insurer estimates your auto insurance rates they usually do it using the safety features that come standard with your model of vehicle. If you've added on to those you need to let your agent know.
4) Where do you park your car? Cars parked in a garage (or even a driveway) instead of out on the street are much less likely to be the victim of vandalism and/or theft, so if you have the option, take it. Not only will it help you save money on auto insurance, it'll save you the money of having to repair or replace your car while you're at it!
Saving money on your auto insurance isn't hard. You just have to know how to do it! Talk to your auto insurance agent the next time you have ten or fifteen free minutes and find out if there are any discounts you could be getting on your insurance that you're not. Ten or fifteen minutes for twelve months of savings? What's not to like?
Tony Peck is the Director of Business Development at , where it's all insurance, all the time. For more info on how to save money on auto insurance, visit them on the web at
For more information, please visit: Auto Insurance Discounters