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During these difficult economic times, you are likely looking for ways to save money in any way you can. If so, you will be glad to know that there are several things you can do to help reduce your auto insurance costs and potentially save yourself hundreds of dollars each year. Here’s a look at just a few.
Reduce Your Driving
Most auto insurance companies will provide you with a discount if you drive less than 7,500 miles per year. So, drive less and save on maintenance costs, fuel costs and insurance rates. Consider using public transportation on occasion or riding or biking to work when possible.
Keep it Personal
Using your car for business purposes could potentially result in a “business use surcharge” being added to your premium costs. In addition, using your vehicle for business purposes will increase the number of miles you put on your vehicle each year, which can further drive up your costs. If you have no way of working around using your vehicle for business purposes, discuss the increased costs with your employer and see about getting the cost covered.
Take Anti-Theft and Safety Measures
Taking small steps to help reduce the likelihood of your car being stolen can result in significant auto insurance savings. Installing anti-theft and safety devices such as automatic seat belts, anti-lock brakes, airbags, tracking systems and car alarms will help protect you and your vehicle while also bringing down your insurance costs. In addition, if you have a garage, be sure to use it because storing it safely in a garage can also result in a reduction in insurance costs.
Make a Move
If possible, you might also want to consider moving. Moving to a rural area with less crime will help lower your costs if you are moving out of the city or away from an area with a higher crime rate. The cost of living in rural communities is usually less expensive in other ways as well, so you might find yourself saving more money than you bargained for when you make a move.