If you bought a car and drive it then not having any car insurance is really not an option. In the majority of states you are required by the law to purchase the minimum amount of liability coverage and you should even probably have more than the minimum if you want enough protection.
I have several tips you can use to reduce your auto insurance costs without having to discard your policy.
#1 Keep track of your credit report
Credit history is a very large important factor for most auto insurance companies. Many reports from studies show a relation between somebodies credit history and the risk an insurance company puts on you. So pay your bills on time and keep a good credit history will most likely help you in keeping lower car insurance rates
#2 Try not to use the car for business related purposes
This relates to not driving as often, since driving to your job usually subjects you to more time that an accident can happen within thus increasing your risk to the insurer. You may find it is in your best interest to refrain from using your care for business purposes.
#3 Don't a buy high profile car
Cars are also rated on a risk based scale for auto insurance reasons. High performance and sports cars, and other flashy automobiles are instantly labeled for their higher risk because the owner is more likely to drive irresponsibly and they are bigger targets for people to vandalize them and thieves.
If you're an owner of such a car you will most likely pay higher premiums than if you owned a Honda Civic. Stick with low profile cars, they will get you from point A to point B just as easily as a car priced at $300,000.
I have several tips you can use to reduce your auto insurance costs without having to discard your policy.
#1 Keep track of your credit report
Credit history is a very large important factor for most auto insurance companies. Many reports from studies show a relation between somebodies credit history and the risk an insurance company puts on you. So pay your bills on time and keep a good credit history will most likely help you in keeping lower car insurance rates
#2 Try not to use the car for business related purposes
This relates to not driving as often, since driving to your job usually subjects you to more time that an accident can happen within thus increasing your risk to the insurer. You may find it is in your best interest to refrain from using your care for business purposes.
#3 Don't a buy high profile car
Cars are also rated on a risk based scale for auto insurance reasons. High performance and sports cars, and other flashy automobiles are instantly labeled for their higher risk because the owner is more likely to drive irresponsibly and they are bigger targets for people to vandalize them and thieves.
If you're an owner of such a car you will most likely pay higher premiums than if you owned a Honda Civic. Stick with low profile cars, they will get you from point A to point B just as easily as a car priced at $300,000.
