How to Keep Car Insurance Rates Low

A car is more than just a machine, and is often our first step towards freedom that allows us to get from place to place and earn a living. Car insurance is also necessary, especially if you don’t want to face the legal ramifications from driving without it! Car insurance can also be very expensive. If you are looking for ways to cut costs, you might be tempted to reduce coverage to the bare bones, but we here at Jamieson-Hilts Insurance Brokers Ltd. have a few things to try to keep your car insurance rates low before you start cutting down.

choose a higher deductible car insurance when you can

First, make sure you shop around for your car insurance. Just because your parents and friends have been using the same car insurance provider for years and years doesn’t mean that you have to follow suit. Shopping around for different car insurance rates can take some time and you might still go with your parents’ or friends’ recommendations in the end, but many people surprise themselves by finding deals they didn’t know were out there.

Second, think about the car you have and how its specific features will relate to car insurance. If your car is older and paid off, you probably don’t need the most expensive full coverage on it. An expensive, newer car might cost you more in insurance premium than is worth it, so you may consider trading it in for a different, more standard model.

Finally, channel your most responsible inner-self to keep your rates slow. Drive safely and obey traffic laws, pay your bills on time, and choose a higher deductible car insurance when you can. All of these things can keep your rates more reasonable.