If you drive a car, there are 5 ridiculously easy tricks you need to know to make sure you aren't getting ripped off by your insurance company.
Insurance companies hate that you're on this site right now because they know that drivers who use these tricks save up to $455 per year. Don't get ripped off by your insurance company, take the time to learn the 5 tricks that can help you save huge!
If you drive less than 40,000 miles per year, you could qualify for huge discounts. The reasoning behind this is pretty straightforward, the less you drive, the less likely you are to get in / cause an accident and thus the cheaper you are to insure. The problem? Many insurance companies won't bother to tell drivers this. And why would they? If you don't ask, they can charge you a premium and make tons of money off of you. Don't get ripped off! If you drive less than 40,000 miles per year make sure you're getting your discounts.
Get multiple quotes. Insurance companies don't all assess risk the same. For the exact same driver of the exact same car, quotes can vary by hundreds of d ollars. On average drivers who get multiple quotes and then switch providers save $455 per year. Luckily for drivers there are great, free services out there like LowerMyBills.com who get up to 5 insurance companies to compete for a drivers business. This helps ensure that drivers get the lowest possible quote they can.
If your car is over 3 years old, insurance companies hope you don't know to ask for reduced coverage. The problem for drivers is that as their cars age they don't think to ask for reduced comprehensive and collision coverage on their cars even though the car is older and less coverage is needed on them because they are worth less. And don't count on your insurance provider to tell you about this because they likely won't. They'd much rather you carry too much insurance on your car and if you ever do get in an accident not only will they have collected huge premiums from you for years but they won't have to pay out near your coverage levels because your car won't be worth that any longer.
If you haven't had an accident in 5 or more years, you could qualify for discounts. Drivers who have gone this long without an accident could qualify for 'Good Driver' programs. These programs are meant to reward good safe driving. If you've gone this long without an accident and you aren't getting a discount, you could be getting ripped off.
Shop for insurance online. Calling a bunch of insurance agents can be very time consuming. Online shopping sites help consolidate the experience for drivers. Drivers can go in, fill out a form that only takes a couple minutes, and then agents who think that they can help them save huge will reach out. For consumers this is a great free tool. They save themselves hours of research and get connected with agents who can help them save. If you drive and haven't used one of these free tools before, we recommend you try LowerMyBills.com. You may be shocked by how much they can save you.
This article is sponsored by LowerMyBills.com