Reader’s Question:

How do I keep my car insurance rates low? I am from Arizona if that will help you.

Carl

Phoenix, AZ

Hi there Carl! Keeping your car insurance rates low is pretty easy and here’s how:

First, make sure to get higher deductible. As you see Carl, the higher your deductible is, the lower your car insurence rates may be. If you can afford to get higher deductible the lower your car insurance rates will be.

Second, keep your driving records clean. That’s easy, you just need to make sure that you drive carefully every time you hit the road.

Third, if you are about to buy a new vehicle, make sure you’ll be buying something that will not be too expensive to insure. Vehicles that are expensive to repair or replace are those that are usually expensive to insure.

Fourth, if you are thinking of getting another insurance product aside from your car (like home or health insurance), you may want to get it from the same insurance company that offers your car insurence. With that, you may get lower car insurance rates.

Fifth and lastly, ask for car insurance discounts. There are a lot of insurance discounts you can get like multi-vehicle discount for insuring multiple vehicles, multi-policy discount, for getting several car insurance products, good driver discount, for having clean driving records etc.

For more information on how you can save on your car insurance rates, you can also check with your insurance agent.