如何 降低你的汽车保险

In normal circumstances, it’s difficult to negotiate car insurance with your provider. That’s because car insurance companies have created complex systems to determine monthly cost, factoring in a driver’s history, 他们的信用评分, 年龄, 性别, 地理位置, and the type of vehicle insured. But during unprecedented times – like if you’re not driving because you’re working from home – you may be able to make a case for a lower rate.

另外, there are several tried and true ways to save by finding discounts with your current provider, or by switching to a new provider – and we’ve covered those here too.

1. 要求休息一下，如果你 驾驶习惯改变

Some insurers gave out refunds in the second quarter of 2020 because many drivers were staying at home more. 如果你不经常开车的话, consider contacting your 年龄nt to remind them about the refunds some competitors have given. Ask if you’re eligible to receive a similar break.

You could also emphasize the fact that you are driving much less. That makes you a lower risk to insure and justifies a lower premium. You may consider telling your company that the premium you’ve paid is too high based on the fact that you were hardly driving. Another similar strategy could be to at ask for an adjustment in the amount of mile年龄 that’s factored into a premium.

2. Consider a suspension if you have 多个车辆

If you have 多个车辆 on your policy and you’re not driving one of them, one of the other great ways to lower car insurance is to ask for suspension of 报道 for vehicle. 例如, if you and your spouse have two cars but are no longer commuting, consider suspension for one vehicle. Many insurance companies will suspend liability 报道 so that the car is covered while it is sitting at your home, 但不能用来开车. It’s one of the major ways to save on insurance premiums.

3. 货比三家 定期

For many people, there could easily be a half dozen or more auto insurers in your area. Instead of contacting insurers directly to get a quote, trust Patelco to guide you. 访问 liv4passion.com/insurance to get started comparing today.

Whenever you’re looking for lower car insurance, 虽然, be careful to understand the policy you are getting. You might be getting a cheaper rate but have a much bigger deductible, or be getting some other benefit change. Make sure you understand if you are being offered lower car insurance with the same 报道 or different 报道. Ask questions and read the policy details.

询问 其他折扣

Once you’ve compared rates, check around for further discounts. Most car insurance providers offer discounts based on a range of things – from good grades to green vehicles to owning a home, 等 . 访问 the insurer’s website or call an 年龄nt to find out more about the discounts they offer.

删除 不必要的保险范围

We do not recommend skimping on collision 报道 (which covers the cost of repairing dam年龄 to your car) or raising your deductible to reduce your monthly premiums. 然而, we do recommend you consider removing items 例如路边援助 or rental reimbursement to 省钱 on your monthly payments. Consider carefully whether these benefits are offset by the monthly cost. 一些好处, 例如路边援助, may already be provided by your car manufacturer or dealer, so don’t pay extra for something you already have.

包你的 保险政策

If you own a home or have renter’s insurance, reach out to your provider about options to bundle your insurance. 如果你有船, 摩托车, 或伞, 报道, bundling these with car insurance can have an even greater impact on the price than a renter’s policy alone. The bottom line is that how to reduce car insurance often comes down to getting other 报道 through the same company.

If you need to find other ways to cut your monthly expenses and balance your budget, 帕特尔科想帮忙. Set up up a confidential one-on-one call with one of our Certified Financial Specialists. They can even help answer your insurance questions, or point you to the right resource.