As your parents most likely said to you at one time or another, driving is a privilege. Between car payments, fuel, insurance, repairs and the occasional speeding ticket, the expenses can add up. Since we’re not going to stop driving anytime soon, we’ve got to work with what we have. One of the first places that you should begin trimming the auto budget is your insurance bill. The average American spends more than $1,000 annually on car insurance, but many Lexington drivers are paying far too much than they should.
Here are five tricks to help you pay less for auto insurance in Kentucky:
The higher your deductible, the lower monthly payments you’ll pay
Now, if you have a history of backing into things and none of your friends will let you drive their cars, this may not be an option. But if you’re the type of person who is aware enough to avoid unnecessary car accidents in Lexington then you should look into paying less monthly and more per claim.
Anti-theft and safety devices, low mileage, non-smoking
No accidents, out-of-state student, over 50; the list goes on and on. Even setting up online auto-pay can help. But realize that at many companies, although they may be aware you qualify for discounts on your policy, it’s their policy not to offer them unless you bring it up. Cars like the 2015 Buick Lacrosse come equipped with safety features that can save you money on your insurance.
Take a few minutes to compare rates at the big companies, and then check out some lesser known local ones
After you’ve made sure they’re on the Kentucky licensed insurer list, of course. I recently switched from one insurance company to another and saved over $100 per month. Each individual will have their own unique experience with particular insurance companies and what works for some will not work for others. Shop around to find your perfect match. If you need suggestions, contact the insurance department for help. For over 50 years, Glenn Buick GMC has been serving Lexington’s auto needs.
Improve your credit!
There seems to be a correlation between bad credit and amount of claims filed. Improve your credit in Lexington, and it could help put you into a bracket that pays significantly less per month.
Some vehicles cost more to insure
While a low insurance rate may be way down the list of factors you consider when buying a car – certainly behind mileage – it’s definitely something to consider. Using the average auto insurance tool at Insure.com, we can see that it costs far less to insure a 2015 Buick Lacrosse in Lexington than it does a Range Rover.
Glenn Buick GMC in Lexington stands for more than just greater Lexington auto sales. You can find the answers to all of your Buick and GMC insurance questions at the best Buick GMC dealer in Kentucky from the entire team of enthusiastic experts. Unless you enjoy donating extra money to auto insurance companies, get smart and start saving!