Bundle and Save: Insurance Premium Hacks That Work
Some even offer a “distance student” discount, which reduces premiums for parents whose children attend college or boarding school out of state.
Some discounts require a
commitment or action on your part, such as signing up for a driving-monitoring
service. While the potential savings are significant, make sure you’re
comfortable with giving up a level of privacy and understanding how the data will
be used before agreeing to it. The good news is that most of these discounts
are easy to qualify for and can save you hundreds of dollars. For example,
simply being a member of a fraternity, alumni association or employer
organization can earn you a discount; buying a home can prompt a reduction in
your rate; and taking a defensive-driving class can help you save as well.
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Look at Your Driving Record
Your driving record is one of the
most important factors in determining your car insurance premium. Many insurers
will charge more for drivers with a history of violations and accidents, while
those with clean records can often save money because they pose less risk to
the company. However, the exact impact of your record varies between companies
and can change over time as old violations fall off or are cleared from your
driving history.
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Typically, insurance companies
will check your record for the past three to five years when assessing your
rate. This allows them to assess your recent driving behavior and determine
your current risk level accurately. Serious violations and accidents that occur
within this period may have a more significant impact than older incidents.
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To avoid surprises, you should
check your driving record (also known as your MVR) periodically. You can
usually obtain a copy of your record from your state’s Department of Motor
Vehicles or other relevant motor vehicle agency, though you might need to submit
a request form and pay a fee to do so. Your insurance agent should also be able
to provide you with a copy of your record for a small fee.
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In addition to checking your
record, you should make an effort to reduce the number of points on your
record. This can be done by taking a defensive driving course or other traffic
school program, and by not getting tickets or being involved in accidents. You
can also save on your car insurance by purchasing multiple policies from the
same provider, which is a common practice known as bundling. Lastly, be sure to
review your credit score on a regular basis because this can also have an
effect on your car insurance rates.
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