How To Pay Less For Auto Insurance

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Most states require automobile owners to carry auto insurance. On average, auto insurance premiums cost about $1,548 per year, which equals about $129 a month. If you are on a tight budget, this might be one expense you can't afford to pay every month. The good news is, it is possible to reduce your auto insurance premium.

Establish Good Driving Habits

One of the key factors when determining your auto insurance premium is your driving record. Because of this, you can reduce your auto insurance premium just by being a good driver. Some ways to establish good driving habits include obeying all traffic laws, wearing your seat belt, and never exceeding the speed limit. You should also never become distracted while driving. Distractions from driving include anything that causes you to take your eyes off the road, your hands off the wheel, or your mind off of driving.

Some of these distractions include using your phone to talk or text, eating food, or changing the radio station. Sometimes other occupants of the vehicle cause the driver to become distracted. Good driving habits include defensive driving. Defensive drivers always pay attention to their surroundings, are aware of blind spots, slow down at intersections, and maintain a safe following distance.

If you establish good driving habits, and have the driving record to prove it, you could save up 40 percent discount on your auto insurance.

Tell Your Auto Insurance Agent About Safety Features

The safer your vehicle, the less likely it is you will get into an accident. A safer vehicle also reduces your chances of serious injuries in the event of an accident. These are both reasons why the more safety features your vehicle has, the less you will pay for auto insurance. Some safety features that auto insurance companies like to see in a vehicle include anti-lock brakes, air bags, and daytime running lights.

Other safety features in a vehicle include shatter resistant glass, electronic stability control, and four-wheel steering. Another important safety feature is pre-collision technology. This feature uses a radar system to help detect objects or obstacles that are too close to the vehicle. When objects get too close, an alarm goes off to alert the driver of a potential collision. When the alarm goes, off the occupant's seatbelt automatically tightens.

Your auto insurance discount depends on the types of safety features your car has. For example, full front-seat air bags can help you get up to a 40 percent discount.