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Six Reasons You Pay Too Much For Car Insurance

Everyone is looking to save money today and one of the easiest ways to do it is to find cheap car insurance. If you are looking to save money on auto insurance, here are six reasons you pay too much for car insurance.

1. You Didn’t Do Enough Research

How often do we see car insurance commercials during popular TV shows and sporting events? It’s pretty much every other commercial that tells you about how easy it is to save money on car insurance. If you want cheaper car insurance you need to put in a little effort, but don’t worry they’ve made it very easy for you to find affordable car insurance in the past few years.

2. Your Agent Isn’t Finding You The Best Rates

Do you rely on your agent to find you the best rates on car insurance? Maybe your agent isn’t working hard enough to find you an affordable car insurance rate. If you think you are paying too much, give your agent a call and tell them to find you the best car insurance quote and see what they can come up with.

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3. Your Car Is Too Expensive To Insure

Some cars are more expensive than others to insure, so if you are driving an expensive Italian import or a monster SUV, it may be wise to consider a more reasonable alternative. If you are wondering which cars are cheapest to insure, take a look at our recent article.

4. You Have A Bad Driving Record

If you’ve had a few tickets and/or accidents in the past few years your insurance company isn’t going to give you the best car insurance rates, and why should they really? If you are going to drive recklessly then, you need to budget in more money for car insurance because your rates are not going to change. Drive slower, get off the phone, and be more careful and you’ll see a gradual reduction in your car insurance policy.

5. You Haven’t Taken A Safe Driving Course

If you do have a bad driving record, or you just want to save money on car insurance, look in to taking a safe driving course, also known as a defensive driving course. Most car insurance companies will give you a significant discount for taking a course, sometimes as high as 10% or more. The course usually only takes about four hours and is usually offered on weekends. This is a great way to have more affordable car insurance.

6. You Haven’t Updated Your Policy In A While

If you still have the same car insurance policy as you did from ten years ago, it may be time to dust off your paperwork, give your agent a call and see what else is out there. The car insurance industry has become incredibly more competitive, especially with the online auto insurance companies joining the fray. Look in to updating your policy and you’ll be surprised how easy it is to find cheap car insurance.

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