Every driver in Fort Myers knows that auto insurance prices can be painfully expensive, especially if your car is new or considered a “high risk” model. Still, there are some great ways to save on the cost of Auto Insurance in Fort Myers no matter what kind of car you drive. Here are some strategies to keep your car insurance costs more manageable.
Ask About Discounts
As the auto insurance world becomes more competitive, driver discounts are becoming more and more common. Talk to your insurance agents to see what kind of insurance discounts your agency offers and whether or not you’re eligible. Here are a few common discounts that may or may not be readily advertised by your insurance company:
1. Good student discounts
2. Senior citizen discounts
3. Military veteran discounts
4. New parent discounts
5. Homeowner discounts
6. Low-mileage discounts
Drive Less
Most insurance companies offer reduced rates to drivers who keep their annual mileage low. If you work from home or your daily commute is short, you could be eligible to save 10% or more on your auto insurance in Fort Mayers. How low is low enough? It will vary depending on your insurance company, but low-mileage discounts usually apply if you drive less than 10,000 miles each year.
Improve Your Credit
Insurance routinely costs more for customers with less-than-perfect credit ratings. To get better rates, work on polishing up your credit report. The best ways to do this are to make all credit card and loan payments on time, pay off any delinquent accounts and make sure your credit report is error-free. If your credit is poor, you may also want to consider working with a credit counselor to find the best way to improve your score quickly.
Drive Safe
Traffic violations and automobile accidents can cause your insurance rates to skyrocket, so try and maintain a clean driving record to get the best insurance rates. You can also take a defensive driving course to get insurance discounts–many insurers offer reduced rates after you’ve successfully completed a class. To find a defensive driving course near you, talk to your local chapter of the Department of Motor Vehicles (DMV).
Auto insurance can be expensive, but there are more ways to save money than ever before. Talk to your insurance agent and ask about any other ways you can cut the cost of your insurance premium.
