How To Save On Car Insurance In 2010

Saving money at the market and gas station seem like easy ways to keep hard earned income in our pockets. Comparing the cost of gas and food and buying where the better deal is offered are some money-saving tactics. Rarely do we consider the effects of saving through car insurance. Such savings are often assumed to be determined by the insurance companies themselves. Comparing two or three companies, accepting the terms and costs, not realizing all the ways we as individuals, can save.

The year, make, model, color of vehicle, age of driver, parking location, miles driven, and state wherein the vehicle is driven, are all potential saving factors. Simply being a “good driver” is perhaps the most commonly known consideration in determining the cost of insurance. What is a “good driver?” Having a good driving record with few to no accidents or moving violations, and maintaining a ‘clean’ DMV record are two factors.

Here are a few ways to be a “good driver” in 2010, keeping (or even lowering) your auto insurance rate, making the “good driver” even better. Avoid texting while driving: being hands-free with your phone allows you to keep your eyes on the road and hands upon the wheel. Being alert helps avoid potential dangers. Keep your windshield clean. While the gas is pumping, a quick squeegee across the windows of your car increases visibility, reduces glare, and gives you a better outlook. Your tires are the point of contact between you and the road, aside from your ability to navigate; it’s the tire’s ability to track that keeps you moving in the direction you want to go. Good tire pressure and tread make for good maneuverability. Some insurance companies offer a discount for vehicles with daytime running lights; regardless of the year, make, and model of your car, you have lights. Turning on your headlights every time you drive increases the visibility of your vehicle. You may not qualify for the discount if you turn on your own lights manually, but you will increase other drivers’ awareness of you, keeping you safer on the road. Obey signals, posted speed limits, and signs. Don’t drink and drive. A DUI will not only have a costly effect on your driving record and car insurance; it can be fatal to you and or someone else. Drunk driving has a price to pay and is never worth the expense.

From choosing the right insurance company to doing the right thing as a driver, your good decisions can save you hundreds on car insurance rates every year. This year, focus on being the best driver and watch the savings through your car insurance rate grow.

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