Car Insurance Kent

Money-Saving Car Insurance Tips

Even if you think you have affordable car insurance, there are always ways to save even more on your premiums. Read our money-saving car insurance tips to reduce your car insurance costs.

1. Verify that your policy lists accurate information about your car. One of the most ignored car insurance tips is to review the accuracy of the vehicle information in your policy. Policies can contain errors that may seem inconsequential, such as the wrong model, but they can and will change your insurance rates. For instance, your policy may list the incorrect mileage for your vehicle or list a sedan as a coupe. Both of these inaccuracies would impact your premiums.

2. Choose the most expensive deductible possible. Rather than paying sky-high premiums every month for a car insurance policy with low deductibles, choose high-deductible coverage and save the money instead. That way, when you do have an accident, you will be able to afford the premiums without a problem. Just make sure you have the discipline to actually put away money for this purpose.

3. Trade in your flashy car for a boring one. Yes, sports cars and other high-powered vehicles are exciting, but they cost a mint to insure. One of the best car insurance tips we can offer is to purchase a low-profile vehicle. Avoid vehicles that are stolen often, are expensive to repair, can cause excessive damage in a collision (e.g., large vehicles), and have supercharged engines.

4. If you relocate, don't ignore the difference in car insurance premiums. Of course car insurance rates vary by state, but did you know they can also vary by ZIP code? Collision and theft rates determine the premiums of an area, and these statistics can differ from one city to another. If you have a choice in where you live, talk to Vern Fonk Car Insurance about which ZIP code would provide you with the lowest rates.

5. Don't discount insurance discounts! Vern Fonk Car Insurance offer discounts that allow drivers to save from 10%-20% on their policies, so don't discount the power of discounts. Talk to Vern Fonk about the discounts for which you might be eligible, such as the multiple-policy, safe-driver, or senior discounts.

6. If you drive infrequently, cash in on the low-mileage discounts. Almost all insurers offer some kind of low-mileage discount for drivers who drive fewer than a predetermined amount of miles per year. The average driver drives about 12,000 miles annually, so you will need to fall below this number for a chance to qualify.

Call Vern Fonk today for more ways to save on your car insurance policy!