Car Insurance Rates

Car insurance rates are not as inflexible as you might think. In fact, there are many things you can do both before and after you get a car insurance policy in order to reduce your car insurance rates.

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Before You Buy
1. Before you apply for car insurance, be sure to review your Motor Vehicle Report (MVR). Your MVR is like a credit report for your driving history and, just like a credit report, it could have mistakes or inaccuracies. Get a copy of your MVR from your local department of motor vehicles before you apply to make sure all the information is correct.

2. Prior to applying for your car insurance policy you should take a defensive driving class. Defensive driving classes can compel an insurer to reduce your premiums.

After You Buy
1. Don’t speed or get careless tickets for driving. Your car insurance rates will do nothing but increase if you get tickets for speeding or driving recklessly after your policy is issued so be sure to drive carefully and responsibly.

2. Pay a full 6 month or annual premium. Instead of breaking your payments into monthly increments, pay the entire premium up front. You will save in monthly administration and billing charges. In addition, most CarInsurance.com companies now offer a Paid In Full discount that can be as much as 15% of your total premium.