After paying your auto insurance bill, you may wonder if there is anything you can do to reduce the cost of your premium. If so, try using one or more of the following tips for lowering the amount you need to pay.
Report All Safety Features on Your Vehicle
If you have not already done so, make sure you report all of the safety features that are either included or have been added to your vehicle. Since these features are designed to either prevent an accident or protect you during one, they decrease the risk of a higher cost the insurance may have to pay out if a settlement were required.
Safety features such as air bags, backup cameras, and motion sensors could help reduce your premium. Also, if you have any anti-theft features, such as an alarm system or built-in GPS sensor, these could also reduce your cost.
Reassess Your Daily Mileage
Another thing that may help keep your auto insurance rates lower is reassessing the amount of time you spend on the road on a daily basis. When you first signed up for your insurance policy, you probably had to report how you used your vehicle and the number of miles you drove to commute to work.
However, if you recently started a new job that is closer to your house, or if you carpool on a regular basis, the amount of time you spend on the road is reduced. Reporting the new mileage to your insurance agent may get you a lower premium, since you are not driving as often and are less likely to be involved in an accident.
Enroll Yourself in a Defensive Driving Course
Depending on your insurance company, another way you could lower your premium is to enroll yourself in a defensive driving course. During this course, you learn how to be a more attentive driver, as well as how to take steps to drive safer during various situations.
Some insurance companies see the enrollment in this type of course as a dedication from you to staying safe on the road, making every attempt to avoid being in an accident. They may then reward this diligence by giving you a discount on your rate.
Using one or more of the above tips could help you reduce the insurance premium on your car. Contact an auto insurance agent at companies like LA Insurance to find out other ways you can lower your monthly cost.