4 Ways to Save on Car Insurance Premiums

​Do you want to save on expenses? One of the best ways to do that is to find ways to pay less for insurance. Although we don’t usually recommend reducing coverage to save money here at the Champagne Agency, we love helping our clients find more discounts to save money for the same amount of coverage.​

With the right discount, you will save hundreds of dollars a year. Increased savings will help ease your financial burdens and leave more money in your wallet. You can put the extra dollars in other things like an emergency fund or travel budget. Or you can use them for shopping. Whatever you do with it, discounts mean “more money” in your pocket.

So how can you save big on car insurance premiums? Here are some tips:

​1. Association Discounts
Do you belong to any association or nonprofit organizations? Wherever you are affiliated, there’s a good chance that you can qualify for discounts due to your membership. Ask one of our agents to know whether your association is among those listed for discount offers.

2. Discounts for Good Credit Rating
Technically, this isn’t a discount. Some insurance providers offer high insurance premiums for those with poor credit scores.  But if your credit rating is improving, you can qualify for discounts upon renewal. Check with your agent on how your credit history is affecting your premiums and what you can do to get discounts.

3. Discounts for Low Mileage
Some insurers give discounts to those who drive less. But this will only be offered if you provide them the details of your driving habits. Set an appointment with our agency to discuss your daily commute to work and the distance that adds up to your mileage. That way, you will know whether you qualify for a discount.

4. Discounts for Good Drivers
A driver with a clean driving history can claim discounts on auto insurance rates. Avoid getting traffic citations, being involved in accidents, and driving under the influence. If your agent already knows this, consider enrolling in a safety driving course. This course only takes a few hours to complete, but could help you save on premiums every year.

Some insurance companies have optional built-in car tracker that communicates your driving habits to them. This technology is used to track your driving habits like hard braking or fast acceleration. It also lets them know when you most often drive. The tracker, therefore, serves as their basis for giving discounts on your premiums.

​Those are just some of the discounts that your insurers may offer. Certainly, there may be others. If you want more money-saving tips, our agents will be glad to help you. At Ideal California Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (818) 241-4515 or Click Here to request a free quote.