Trying to lower your auto insurance rates while also maintaining an acceptable level of coverage can often be a very difficult job, but there are a few ways to qualify for better auto insurance rates and discounts. Listed below are two things that you can do to qualify for better auto insurance rates.
Defensive Driving Courses
One of the simplest ways to reduce your auto insurance rates is to consider taking a defensive driver course. These courses are typically offered online and at a physical location, although some insurance companies will only offer a discount if you take the course in person, so make sure to check with your insurance agent before signing up for an online course. The defensive driving course will be able to reduce the risk of you ending up in an accident by going over all of the basics of driving while also delving into some of the more advanced situations, such as what to do in a skid, how to properly brake with anti-lock brakes, and the safest way to pass other cars.
Since this course will make you a safer driver and minimize the chances that the insurance company will have to pay for a claim, they will often provide you with discounted rates. For example, a person between the ages of 16 and 25 can expect to see a discount of 15% every year, while people over 55 might see a discount of around 5%.
Low Mileage Driving
Another easy way to qualify for discounted auto insurance rates is to consider driving your vehicle less often or to limit yourself fewer miles throughout the year. This makes low-mileage driving discounts a very good option if you are insuring a second vehicle that will not be your primary mode of transportation or if your vehicle is only used for short commutes to and from work.
In those situations, you could see a discount in your insurance rates if you drive less than 15,000 or 7,500 miles a year. However, you will need to keep in mind that being eligible for this type of discount may hinge on you allowing the insurance company to review your driving habits in order verify that you are meeting their mileage cap for the discount.
Contact an auto insurance agency like Affordable Insurance in order to discuss what you can do to qualify for as many auto insurance discounts as possible. Taking a defensive driving course and cutting down on your driving can help you qualify for discounted auto insurance rates.