Budget Car Insurance – Are You Within Your Budget?

By Elizabeth Newberry
Admit it. There has been a time when you’ve purchased a car andinsured it with the car insurance office nearest the dealership.Or the same car insurance company your dad uses. Or the same oneyour significant other uses. Or the one whose advertisement youheard on the radio as you were pulling into the dealership. Thepoint is, you purchased car insurance without giving it muchthought. You just wanted to insure your new car and drive it offthe lot.
These kinds of hasty decisions can result in paying much morethan necessary for car insurance. That’s bad news for those ofus on a budget. If you are looking for budget car insurance, asmany of us are, there are a few things you should considerbefore purchasing just any old car insurance policy.
1. Take a defensive driving course. Many states require thesekinds of courses, and many car insurance companies will offerlower car insurance rates to drivers who take them regardless ofwhether or not they are required.
2. Use what you learn from the driving course. Follow the rulesof the road, and keep your driving record clean! Accidents andtraffic citations will raise your car insurance rates.
3. Safeguard your car and yourself. Install an alarm system,and make sure you are driving with antilock brakes and air bags.
4. Raise your deductible. Most car insurance companies willlower your rates if you raise your insurance deductible.
5. Utilize your policy. If you own more than one car, cover allof them under the same car insurance policy.
6. Review your policy. Your car insurance needs may change astime passes. For example, you may get around to taking thatdriving course or adding additional safety features to your car.Contact your car insurance agent and schedule an appointment tomake changes to your policy and lower your car insurance rates!
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