Car insurance can be more affordable in various ways. First, you can make sure that your driving history is clean. Second, you can take up just the minimum coverage. Third, you can purchase a safer car. Let's check out these 3 points now:
Clean driving record. A recent history of car insurance claims and traffic offenses can increase your car insurance premium. Having demerit points can also cause your car insurance to be more costly. The increase can be as much as 75%.
If you have a recent claims history, insurers tend increase your premiums. Hence it's better to compensate for minor damages and collisions yourself. It's also a good idea to settle the disputes privately without involving the insurance companies. Claims often involve lawyers who take forever and charge their fees by the hour. This destroys your chance of buying cheap car insurance.
Go for minimum coverage. This is not recommended for everyone. But if you're a safe driver and you won't have much liability if your vehicle is damaged, then this may be a good way to cut back on your car insurance premium.
Buy a safer vehicle. Some cars are deemed safer than others because of the design and the safety features installed into the vehicle. Insurers tend to offer lower rates for such automobiles. This is because these vehicles experience a lower claim rate.