• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
CALL US TODAY
(916) 488-4426
Home

  • Home
  • Get a Quote
    • Quote Forms
    • Auto Insurance
    • Boat Insurance
    • Business & Commercial Insurance
    • Cyber Liability Insurance
    • Earthquake Insurance
    • Flood Insurance
    • Home Insurance
    • Motorcycle Insurance
    • Pet Insurance
    • Renter's Insurance
  • Customer Service
    • Add Driver to Existing Auto Policy
    • Add Vehicle to Existing Auto Policy
    • Remove Driver from Existing Auto Policy
    • Remove Vehicle from Existing Auto Policy
    • Request General Liability Certificate of Insurance
    • Add Motorcycle to Existing Policy
    • Remove Motorcycle from Existing Policy
    • Policy Review Request
    • Add Watercraft to Existing Policy
    • Remove Watercraft from Existing Policy
  • File A Claim
  • Blog
  • Make A Payment
  • Resources
    • Calculators: Auto, Home, Budget
    • Free Reports
    • Frequently Asked Questions
    • Important Links
    • Insurance Glossary
    • Refer a Friend
  • Our Company
    • About Us
    • Who We Represent
    • Why Choose Us
    • ABC10 Insurance Coach
    • Partners Page
    • Privacy Policy
    • Testimonials
  • Contact
    • Contact Us
    • Employee Directory
    • Location Map & Directions
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOMEOWNERS

A standard policy insures the home itself and the things you keep in it.

Read More
Flood Insurance FLOOD

Typical homeowners policies exclude flood damage. Get coverage now.

Read More
Earthquake Insurance EARTHQUAKE

Earthquake claims are best covered with a standalone policy.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life & Health Insurance LIFE & HEALTH

Learn about different health coverage options that fit your needs.

Read More

Home > Blog > Tips on How to Cut Costs on Auto Insurance
THURSDAY, APRIL 11, 2013

Tips on How to Cut Costs on Auto Insurance

Forward to a Friend
header
While most people are aware that they are high-risk drivers, very few understand what makes them earn this title. Insurance providers often grade drivers centered on the likelihood of being involved in an auto accident for which the firm will be expected to make payments. The greater the probability, the greater threat that driver poses to an insurance company.

Different factors are used to grade drivers as high-risk and this can vary from one state to the other. Nonetheless, there are a couple of ways through which high-risk drivers can circumvent high-cost auto insurance coverage. Discussed below are tips on how to minimize your risks as well as the cost of insuring your car.

1. Shop Around

The easiest way for high-risk drivers to save on high risk auto insurance is shopping around. As an independent agent, Cliff Cottam Insurance Services can obtain many auto insurance coverage quotes on your behalf. Since there are a myriad of alternatives accessible in the high-risk driver insurance marketplace today, you have the luxury of comparing different rates and opting for the most affordable option.

Whereas high-risk auto insurance coverage is designed to cater to drivers who fail to qualify for normal car insurance rates, companies specializing in high-cost insurance still compete with one another for business.

2. Take Control Of Your Rates

Being in control of your rates can also help lower the cost of high risk car insurance. Tickets as well as accidents affect your insurance rates. Your coverage should be re-evaluated periodically to determine if the deductibles and amount of coverage should be changed. Our agent can obtain a few quotes and compare different rates at the right time to find the best plan for your personal situation.

3. Standard Insurance Companies

In due course, rates charged by ordinary insurance providers will compare to those charged by high risk auto insurance companies. Therefore, it is important to once in a while compare the rates charged by standard insurance companies with high-cost insurance providers. Since standard insurance companies insure a lot of clients, they have the ability to spread the risk allowing you to save on premiums.

4. Buy A Cheap Car

If you have been classified as a high driver, you need to consider buying a cheap car. The more expensive a car is, the more you will pay in insurance premiums.

5. Cover Less Miles In A Year

Try to keep your mileage to the minimum. Drivers who cover less than 10,000 miles in a year are more likely to qualify for reduced insurance rates. The more time you spend on the road, the more likely you are to be involved in an accident.

6. Park Your Car In A Safe Area

Burglary and accidental damages are just some of the factors that can increase your insurance premiums. Cars parked inside a garage or on a driveway are less likely to be broken into or damaged which results in a 4% to 6% decline in insurance costs.

7. Exercise Caution While Driving

Careless driving will result in additional points on your license. As a result, you will be expected to pay more in insurance premiums. Whereas points attributed to speeding tends to remain on a driver’s license for at least 4 years, insurance companies will confirm if there have been convictions in the past 5 years prior to deleting them from your record.

8. Install Security Systems In Your Car

Installing security systems, for example, car alarms and anti-lock brakes in your car can also help in lowering your risks and costs.

9. Avoid Making Changes to Your Car

Do not make changes to your car before informing your insurance provider. Modifications refer to anything that will alter the original specifications, for example, fitting allow rims.

The objective of high risk car insurance coverage is to assist you in regaining your standing as a low-risk driver thereby allowing you to be eligible for standard insurance coverage. Call a Cliff Cottam Insurance Agent today for more information or simply complete our Contact Us form and we will get right back to you! (800) 807-6871

footer
Visit Us Facebook LinkedIn Twitter Blog Online
 
Posted 12:03 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2024
  • 2023
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2013
  • 2012
  • 2011
  • 2010

  • auto(25)
  • home(22)
  • family(8)
  • auto insurance(6)
  • holiday(5)
  • life(4)
  • cliff cottam insurance services(4)
  • business(3)
  • christmas(3)
  • home insurance(3)
  • college(3)
  • flood(3)
  • rental(3)
  • spring(2)
  • umbrella insurance(2)
  • disability(2)
  • flood insurance(2)
  • rideshare(2)
  • summer(2)
  • boat insurance(2)
  • dui(1)
  • credit(1)
  • emergency preparedness(1)
  • cars(1)
  • valentines(1)
  • food trucks(1)
  • phone(1)
  • employee benefits assistance(1)
  • cat insurance(1)
  • sacramento ballet(1)
  • emergency communications(1)
  • toys for tots(1)
  • cleaning(1)
  • retirement(1)
  • wedding(1)
  • jewelry(1)
  • discounts(1)
  • general liability insurance(1)
  • insurance gaps(1)
  • gifting coupons(1)
  • cyber liability insurance(1)
  • car insurance(1)
  • nutcracker(1)
  • shopping(1)
  • collision coverage(1)
  • pool(1)
  • dog insurance(1)
  • lightning(1)
  • event planning(1)
  • holidays(1)

View Mobile Version
Facebook
Twitter
RSS
Pinterest
Google+
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Cliff Cottam Insurance Services (CCIS)

Resources

Home About Us Get a Quote Make A Payment Newsletter Contact Us

Contact Us

  • Mailing Address
  • 3013 Douglas Blvd. Suite 100
  • Roseville, CA 95661
  • 916-488-4426
  • Email us
  • California License #0N07168
© Copyright. All rights reserved.
Powered by Insurance Website Builder