Shady Ways to Lower Your Car Insurance Costs

Since I worked for an insurance company for like 2 years before quiting, I learned a few tricks that can really help you save on insurance, some of these may or not work depending on your state or country, but hey its worth a shot.

1) If you get into an accident and the damage is not bad and its your fault, convince the other driver not to go through insurance but say you’ll pay for the damages. This is because if the damage is around $2000, your insurance premium will probably go up around $500-$1000 per year for the next few years. So you gotta look at the cost benefit analysis.

2) If you get a ticket, you must fight it till the death. Usually, getting more than three tickets and being under 25 is like giving out free money to your big bad insurance company.

3) Pay your bills on time. Not that many people know but insurance companies in the US are allowed to use your credit history to factor in to the costs of your auto insurance. I know you must be thinking wtf. But this is because there is a correlation between people with bad credit and bad driving. I know crazy, but pay your credit card bills on time.

4) Shop around every year for car insurance quotes. It was so funny seeing some people get raped on their insurance premiums when all they had to do was shop around. This means go to different insurance companies or get a better insurance broker whose going to help you find the best deal. You can also compare insurance companies quickly on the internet at places like Get-InsuranceQuotes.com. It compares some of the cheapest insurance rates around, I personally know this for a fact. So make sure you shop around every year and don’t just forget about it.

That’s all I can think of for now, if anyone has any questions just leave them in here. But I know I just saved some of you a couple hundred bucks. Your welcome.