Tips for Selecting The Right Vehicle Coverages

Could your monthly car insurance bill be lower?

That depends on a variety of factors, one of the most important being your personal history as a driver.

Someone whose driving record includes at-fault collisions and moving violations can expect to spend more than someone with a clean driving record.

So how can you pay less for car insurance, even if your driving record has some blemishes?

Insurance industry experts from companies like Progressive and State Farm lend some insight below:

Select your level of coverage. Many insurance companies provide multiple choices for liability related to property damage and bodily injury.

Safety features can help you save. Does your car have anti-lock brakes? It could make you eligible for a discount.

Anti-theft devices could cut costs. Some insurance companies reduce the monthly premiums for automobiles with theft-deterrent systems.

Buy in bulk, or “bundle”. Having multiple drivers insured by the same company under the same account, or “bundling”, is something insurance companies have been known to offer a price break on. Bundling your automobile insurance with life insurance and homeowner’s or renter’s insurance can also help you save.

Set up automatic payments. Allowing the insurance company to pull money directly from your bank account can come with a discount.

Pay up-front. Paying the entire 6- or 12-month premium at once can provide significant savings.

Get everyone in the family on the same provider. Insurance companies routinely feature a discount when multiple vehicles are paid through one account.

Loyalty pays off. Some insurers will offer loyalty discounts to customers who have been with the company for a year or more.

Good grades. Discounts vary from company to company, but insurers may offer savings to student drivers with at least a 3.0 grade point average.

Safe driving. A clean driving record is the best way to save. That usually means no “at-fault accidents” or moving violations during the previous three to five years.