How to Save on your Car Insurance

Here are some tips on how to save money on your car insurance in Chesapeake, VA, as well as other areas around the country. If your policy is coming up for renewal, keep the following tips in mind:

Driving habits
Obviously your driving record will have an impact on your insurance rates. Accidents happen, but if you practice good driving habits, your chances of having one will be greatly reduced.

*Don’t tailgate
*Always obey the speed limit
*Don’t drive erratically (changing lanes at the last minute, etc.)
*Always obey signs and traffic signals

Compare rates
Do your homework and shop around for the best rates. Not all companies are created equal so don’t choose the first one you see. You can get online quotes in just minutes with most companies, so your research won’t take up too much of your time. A couple of hours of your afternoon could save you hundreds of dollar in car insurance, so it’s well worth it!

Your credit history matters
Insurance companies will look at your credit history and your payment history with your previous insurance company. If you have a good credit rating, your rates will be more reasonable. If you’ve let your insurance lapse or you were cancelled due to non-payment, this could pose a problem with your new insurer – it may even be almost impossible to get insurance! And when you do, they will charge you much more than their other customers, who are in good standing.

Combine your car and home policies
Many companies will offer discounted rates if you combine your home and auto insurance. This also makes it easier for you to keep track of your policies. It will also make it easier to keep track of when your payments are due, when you only have to worry about one company.

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