Car Insurance Discounts - What to Do to Get Them If your car insurance rates are too high, know that there are always options for lowering them. Finding cheap car insurance online is a great way to start. There are plenty of sites that offer discount car insurance, here are a few tips on how to lower your insurance rates: Safer Cars Save You Money Insurance companies take a look at the model, year, and overall safety performance of the vehicle or vehicles you drive. A sports car that is made to drive 100MPH in under 6 seconds does not usually belong to a safe driver. These flashy automobiles are a red flag that screams ""I am not concerned with safety as much as looks."" So when shopping for a vehicle, look into its safety features such as airbags, brakes, and its crash-safety rating. Another Reason to Repair Your Credit It is not an easy thing to repair bad credit. However insurance companies do look at your credit when determining your rates. To look at it from their perspective, a person with a low credit score shows a pattern of risk and dangerous decision-making. So now you have another reason to improve your credit score, as your insurance rates will decrease as it increases. Married Couples and Straight-A Students Pay Less Studies have shown that a person married for several years is less likely to be in an accident. Obviously a married person has responsibilities and a stronger desire to be safe on the road, and this translates to a lower monthly payment. Students in high school can often submit their report card to the insurance company - if you have a great GPA with a lot of As and Bs, then your premium is likely to go down. Bike, Bus, and Alternatives If it is not necessary to drive to a location, consider the alternatives. The less time you spend in your car, the less likely you are to be in an accident. Invest in a bike and consider public transportation options when you do not have to be somewhere in a hurry. A trip of a mile or less is a good excuse to get out and walk. You should also consider car-pooling with coworkers both for the lower mileage on your individual cars and for the environment.
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