Are you currently shopping around for auto insurance hoping to score a lower monthly premium? If so, you should take a moment to review these three money-saving opportunities outlined below to help you score the lowest possible rate when requesting your next auto insurance quote.
Download The Company's Mobile App
If the insurance carrier you are requesting a quote from offers a discount program that is centered around the use of a mobile app to track your safe driving habits, agreeing to download this application can result in a sizable discount on your new policy. In most cases, the insurance company will guarantee that all participants in the program will receive a minimal discount simply for allowing the app to collect specific data regarding their driving habits. This discount is immediately applied to your insurance quote. However, if you prove to be a safe driver, the amount of your personalized discount is likely to increase and can result in even lower premiums in the very near future.
Don't Overestimate The Number Of Miles You Drive
When you request an auto insurance quote you will be asked how many miles you drive to get to work each day. While this information may seem inconsequential to you, it can actually have a rather substantial impact on the amount of your monthly premium because individuals with longer commutes will be at a greater risk of being in an accident simply because they are on the road longer. Consequently, it is very important that you take this question seriously and do not overestimate the number of miles you drive each day.
Eliminate Any Unnecessary Coverage From The Policy
When you initially receive your auto insurance quote, this quote will likely include a variety of different coverage options that you may or may not need. Choosing to move forward with the purchase of this one size fits all kind of policy could result in you pay for coverage that you don't really need. To avoid this type of wasteful spending, take the time to carefully review the policy terms and eliminate any coverage options that you do not need. For example, if you already have auto glass coverage or roadside assistance coverage as part of your vehicle's warranty, there really is no need for you to pay for these same coverage options to be included in your auto insurance policy. Choosing to decline the specific coverage options that you do not need can help you to save money each month and enjoy the benefits of having an auto insurance policy that is better suited to your particular needs.