Owning an automobile can be expensive. There’s the cost of the car itself, gas, registration, maintenance and repairs, and, of course, auto insurance premiums. Noting that, it’s only natural for vehicle owners to try to save money on their total vehicle ownership if possible, and one of the biggest consistent costs is auto insurance.

Though auto insurance rates vary based on state, driving experience and the owner’s driving record, generally consumers should plan to set aside anywhere from $800 to $1,000 per year to insure their car. The good news is that there are several ways to decrease auto insurance costs; from taking a defensive driving course online to bundling your auto package with other coverages. Here are some tips to help shave dollars off your insurance premiums:

Take a Defensive Driving Course

Doing this is beneficial, even if you don’t want to shave points off your license. That’s because it shows insurance companies that you’re being proactive about your driving safety, something that many look at favorably and award discounts for. Of course, if you have points on your license, taking a defensive driving course online can help reduce them in some states. In many cases, passing a certified course can take points off your license, thereby reducing rates or preventing rates from increasing further. Here are a few courses that guarantee an auto discount for you:

California Mature Driver Course

Your CA Insurer is required to provide an auto discount to those age 50-55 years or older (depending on insurance company), who present proof of completion of the mature driver improvement course approved by the California DMV:
California Mature Driver Course

Florida Mature Driver Course

Your FL Insurer is required to provide an auto discount to those age 50-55 years or older (depending on insurance company), who present proof of completion of the mature driver improvement course approved by the Florida DHSMV:
Florida Mature Driver Course

New York Defensive Driver Course
Your NY Insurer is required to provide an auto discount to those who present proof of completion of a defensive driving course approved by the New York DMV:
New York Defensive Driving Course

Delaware Basic Driving Course
Your DE Insurer is required to provide an auto discount to those who present proof of completion of a 6-hour basic driving course or 3-hour refresher course approved by the Delaware DMV:
Delaware Basic Driving Course

Auto Insurance Discount Course

Most auto insurance companies in other states provide an auto discount to those who present proof of completion of a defensive driving course. Check with yours first to confirm!
www.MyImprov.com


Shop Around

If you think you’re paying too much for auto insurance, it never hurts to shop around a little bit. Go to other insurance companies, tell them what you’re paying now and that you’re looking for a company that can beat that price. Insurance companies are running a business, and part of business is gaining new clients. Companies are likely going to be more than willing to try to earn your business, and if you have more entities that you can insure with them, they’ll likely sweeten the quote that they give you even more.


Own Your Car

Leasing has its benefits, but when it comes to saving money on auto insurance, that’s not one of them. That’s largely because when you lease, you’re required to keep certain amounts of coverages and there’s no wiggle room around it. If you own your car, you can likely save money by reducing coverage to legal minimums. Sure, you may have to pay some money out of pocket if you are ever in an accident and the limits don’t fully cover the damage, but for most people, this is a risk that they’re willing to take to save money on insurance premiums.


Bundle Packages

Have a home? A boat? Other vehicles? When you insure multiple entities with one insurance company, you’re likely to receive a discount. Think of it as an appreciation discount, as for insuring multiple entities with the company you get rewarded for your business and your trust with the respective insurance company. The more you can bundle, the more you’re likely to save.


Ask Your Insurance Agent

Here’s one that not many drivers think to pursue: Simply just call up your current insurance agent and see if there’s anything that you can do to receive some sort of reduced or discounted premium. Often, something as simple as just parking your vehicle in the garage – where it’s more guarded from Mother Nature and potential theft – can yield a savings. Adding certain modern-day safety features to your vehicle can help as well. Driving less miles per year may be able to help. Your agent can also tell you if taking the defensive driving course online can net a discounted rate.