What YOU Can Do To Lower Your Costs
Before you buy your next car, you may have a lot of questions. Should you think about auto insurance before or after you buy the car? The answer is, before. In fact, there are many factors to consider in order to get the best rate on your car insurance.
Here are a few things to keep in mind when shopping for auto insurance:
Keep the Mileage Low—and Lower Your Costs
First of all, are you getting an older or brand new car? Chances are, your rates could be lower with an older car. Also, think about how much you’ll be driving. Do you have a short commute? Or do you work from home? Also, if you’ve recently retired, you may not be putting as much mileage on your car as you used to. And this may come as a surprise—some insurance companies will offer you a discount if you drive less than what is considered the average number of miles per year. If you want more discounts for low mileage, consider being part of a car pool. The bottom line: The lower the mileage, the lower your insurance rates.
When choosing car insurance, it’s good to shop around. There could always be a better deal than what you currently have. So do your homework. It’s also wise to consider bundling your insurance, because companies may give discounts if you bundle your car insurance with your home insurance.
What Kind of Car are You Driving?
There is a lot of discussion about whether brighter-colored cars get stopped more for speeding. There have been statistics about red cars being stopped more. But the color you choose isn’t as important as the safety features you have in your new car. More safety features can significantly lower your insurance costs. Other factors that insurance companies look at are the make, model, engine size and the number of drivers who are covered on your policy. Also, be sure you’re not purchasing a car that is popular with car thieves. Convertibles, for example, are very often stolen. You’ll pay more for your insurance with a convertible than a car with a regular roof. Older vehicles are also more susceptible to being stolen than newer ones because thieves can sell more parts and make a larger profit.
Don’t Overlook the Basics
Be sure to pay all of your bills on time. A good credit history is one of the biggest money savers there is. Of course, a good driving history is also desirable when it comes to getting a good rate.
At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.
Please contact Zawada Insurance Agency for details.
Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.