When it comes to saving money on car insurance, having the right information is the key. This article will discuss several ways to save money on Auto Insurance premiums. These ways of saving money come in the form of discounts.
The rating process which insurance companies use to determine the appropriate amount of money to charge drivers is based upon the level of risk that driver represents. The higher risk the more money is charged. There are many factors carriers consider when determining the correct premium. Some of the discounts available that can lower your premium are:
Safe driving discount- The better your driving history, the lower the premium. Traffic citations will increase your premium. Habitual traffic offenders will be required to obtain Florida SR 22 insurance and those drivers convicted of a DUI will require Florida FR 44 insurance.
Home ownership- Owning a home will lower your premium
Married discount- Being married will lower premiums
Good student discount- Usually a 3.0 grade point average is considered to be “A good student”
Airbag and anti-lock brake discounts- The safer a vehicle is the lower the premium will be
Good Credit- having good credit can lower your car insurance premiums as well. Renewal discount- Sometimes staying with the same company can earn you a discount
“Snapshot discount”- The snapshot discount is a discount which involves the driver attaching a small computer device to the vehicles diagnostic port inside the car. These devices record and report different driving statistics regarding hard braking, speeding, etc. This discount is offered by Progressive insurance Company however other companies offer similar devices to track activity.
Another way to save money on car insurance is to shop around. Getting a fast free rate quote takes only 15 minutes and the result may save you hundreds of dollars. Call Cliff or Andrew Schimek today for a quote. With over 150 five star positive reviews on Google Florida Auto Plus Insurance is an easy choice. (305)-278-1388