There are little actions that will really help you get superior coverage at lower rates. Do you know those things? Here are some…

1.Maintain an outstanding credit rating. A bad credit history will cost you in higher auto insurance rates. This is because insurance providers see people who default in payments as irreponsible and a risk to them. For some insurers it shows a pattern they believe you might repeat with them in premium defaults. This means more risk to them and more expensive premiums for you.

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2. Do not include rental car coverage in your auto insurance policy without confirming if your credit card offers such a benefit. More often than not, you’ll discover that your credit card provider has already given you this coverage as added value. So it’s a good idea to confirm first before you buy an unnecessary coverage.

3. Defensive driving or any other special driving program approved by your insurer will get you discounts. This makes sense because defensive drivers are statistically better risks to any insurer — They have far fewer car crashes This is particularly important for high risk profiles. If you consider the huge discount this will result in, a young driver will definitely save thousands in premium dollars in just a few years. The savings involved should make any sacrifice you make to go through such a program well worth it. When you get certified, let your agent know and insist on your discount — You’ve earned it.

4. Getting married will bring down your rate by a huge margin. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. They generally file fewer claims and when they do, they usually cost less.

5. “Pimping your ride” does NOT help if you want lower rates. Things like changing your tires to bigger ones than specified by the manufacturer, adding equipment that will increase your car’s horse-power will cost you a lot more. Any changes to your vehicle takes your rates up.

6. Do you know that some folks are paying much more in auto insurance because of where their homes are? Also note that a neighbor not too far away might fall under a lower crime zone than you — This affects rates.

Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. The truth is that most people don’t think about this when they are about buying a home.

But think about it: If your new zip code adds up to $300 to your annual auto insurance rate, how much would that amount to at the end of your 30-year mortgage?

Learn more here: Auto Insurance Quotes and Budget Car Insurance. Chimezirim Odimba is an insurance expert.

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