How to Find Hidden Car Insurance Coupons

Posted on: 11Feb,2016

It goes without saying that one of the most expensive aspects of owning a vehicle is the cost of insuring it. Even if you have purchased the vehicle outright, there is still the cost of gasoline and preventative maintenance that you have to deal with, all of which is further compounded by the cost of your car insurance premium. This is one of the primary reasons why people with tight budgets eventually trade in their high dollar vehicles for something more cost-effective and economical.

Auto Insurance Coupons? You must be kidding!

Interestingly enough, there are those smart auto insurance shoppers who have a few tricks up their sleeves and know some fairly unusual methods for saving money on their insurance premiums without going to extremes. Although you would think that an auto insurer would not go the coupon route, you might be surprised to learn that, in a sense, they really have. You just have to have the right skill set in order to find where they are. However, the bottom line is that you have to have the mentality of a “couponer” to succeed.

Knowing where to Look

In today’s unstable economy, saving money by sticking to a strict budget is critical where a family’s finances are concerned. Most insurance company spokespeople today oftentimes proclaim that there company is committed to making auto insurance affordable. They all offer some types of discounts that can save you up to 20% off your premium price if you qualify. But why settle for 20₵ on the dollar when you could pocket more savings? Ironically, insurance companies do not hand out coupons per se.

But what they do is find different ways for you to save on your auto insurance, namely those discounts that were mentioned in the paragraph above. The following are some suggestions for finding those savings that you may or may not have been aware of:

Start by talking to your current agent – if you’re concerned that your premium rates are too high, you should call or visit your local insurance agent to discuss this. The better agents will just about drop everything they’re doing to make an appointment with you and discuss what you can do to lower your premium rates, rather than risk losing your business. Be sure to bring any information with you that might be pertinent and could qualify you for a discount, such as an increase in your credit score or your marriage license.

Go online and do some shopping – one of the benefits that the internet and the World Wide Web have provided is the ability to go shopping without ever leaving your home. To say the least, the online consumer audience has grown exponentially and that is primarily due to the convenience involved when shopping over the internet. Not only is it a great shopping venue, it is a powerful comparison shopping tool as well. Furthermore, you can get multiple quotes from different companies online. You can easily find more affordable insurance if you do enough research.

Ask for those discounts – in addition to discussing your concerns with your agent (see above), never be afraid to ask them about any discounts that you could qualify for. In fact, many insurance agents don’t mention those discounts so you will probably have to inquire about them to even find out about them. A number of major insurers today are offering accident forgiveness perks, good driver or multi-driver discounts, and premium rate breaks for setting up automatic payments. On an interesting side note the biggest discount in the industry by combining different insurances such as your auto and homeowner’s.

Drive confidently but defensively – the key to lowering your risk of getting into an auto accident is YOU! Only you can be responsible for your behavior behind the wheel of that vehicle you are driving. Although this sounds like common sense, many drivers today might be better off without having to shoulder that responsibility.
Needless to say, the better you drive, the lower your premium rates will decrease. Basically, that means no accidents, no drinking and driving, no reckless driving, no speeding tickets, and definitely NO TEXTING! Remember, no matter how minor the infraction, it will drive your premium rates up. If the infraction is major, your premium will be unaffordable.