Affordable Auto Insurance – Factors That Affect Your Premiums

While it is true that one can have a hard time getting affordable auto insurance, there are several things that you can do to make this a reality. However, they require effort and commitment on your part. If you desperately need cheaper auto insurance, read on.

Let’s start with how you impact the affordability of your auto insurance premium. If you are a good student, B average or better, insurers will respond favorably and offer some discount on the premium. So get those grades up or get proof of your current standing to your insurer and see what that produces.

An auto insurance premium reduction is also a possibility if you have a clean driving record. Now that means not only no accidents but also no infringements. How hard can it be to drive well? Unfortunately, for some people it is very hard, but there is hope. Take a defensive driving course. Yes, you have to pay for the course, but what you learn will help to make you a lower risk on the roads and impact your auto insurance in a positive way year after year.

That takes care of those irritating and costly fender benders but not the infringements. You have to make yourself notice the road signs, but a defensive driving course should also make you more aware of the potential for deadly accidents and how obeying the road rules reduces this risk. With all this knowledge and a demonstrated commitment to staying accident and infringement free, auto insurers will want your business. Demand a discount in exchange.

Now the car you drive plays a part in getting affordable student auto insurance, too. If you drive a cheaper car, you may have inadvertently bought more auto insurance than you need. There is a lot to understand, so it happens.

You need liability insurance no matter what you drive. This is set by the state you live in and is basic coverage. It covers you for Property Damage Liability and Bodily Injury Liability, so that in the event you cause a crash, you can make good any damage to the property of others and cover their medical bills.

Now if you are wondering how you cover your own property and person, that is another matter. If you have good medical insurance coverage, check out whether or not it covers you in the event of a car accident. If it does, why pay more to duplicate coverage you already have? If not, buy it as part of either your auto or medical insurance.

Your wheels are a different matter. They are covered by comprehensive and collision insurance. If you car is holding together by the exertion of your will alone, it would be a waste to pay for these two types of coverage. And there is a significant savings. But if you crash the car, you get nothing, so keep that in mind.

These are just some of the many possible ways to reduce your auto insurance premium. Pursuing every avenue such as the ones above will get you on the road to the best insurance coverage at the cheapest price.

Discover more ways to save on your car insurance at Affordable Auto Insurance. Get quotes from major carriers with 1 short form and see how much you could be saving, even on student auto insurance.

Article Source: http://EzineArticles.com/expert/Alan_Rochford/579299