At Rodney d young we pride ourselves in offering some the lowest car insurance quotes around. But there’s only so much we can do to get you those low prices. There are a few things you can do to help yourself get a better quote. They aren’t difficult, and in fact, most of them don’t require any extra time or effort on your part.
Let’s jump in. Here’s how you can get the most of Rodney d young insurance:
Got an older vehicle? Reduce the coverage
Older vehicles, especially ones that are paid in full, don’t necessarily need full coverage. A good rule of thumb is that if the cost of the car is less than ten times the insurance premium, it’s not necessarily cost-effective. You can take out collision and comprehensive coverages in such cases to drastically reduce your premiums.
Raise your deductible
Your deductible is how much you pay before your insurance kicks in to cover costs. The higher your deductible, the lower your insurance premium.
This can be a tricky one to work out. You need to know your finances and what you can comfortably afford in case of an accident. There can be a huge difference in your insurance premium if you pay $250 as a deductible compared to, say, $1000. Just be sure you aren’t putting yourself in a position where you wouldn’t be able to pay the deductible and thus not benefit from your coverage at all.
Let us know if you don’t drive much
Infrequent drivers pay lower premiums than people who are on the road constantly. The logic is obvious — the less you drive the vehicle, the less likely you are to have an accident.
Many people who are infrequent drivers make the mistake of not mentioning it when requesting a quote or buying insurance. You’ll be surprised at how much you can save. If you’re a frequent car-pooler, say to and from work, this will also help earn you a low-mileage discount.
Choose a ‘safe’ car
Cars come with safety features and safety ratings. The more safety features, and the higher the safety rating, the lower the premium on a car. The safety rating of a vehicle should be advertised when you’re looking to purchase it. Things like airbag number and distribution, anti-lock brakes, and electronic stability control will all keep your car insurance premiums low.
Insuring a teen? Get their grades up
Teen drivers are, understandably, more expensive to insure than older or more experienced drivers. The thinking is that younger drivers are less experienced and, possibly, more reckless in their driving. This might make sense as a blanket statement, but we all know plenty of kids with level heads and maturity.
There are two ways you can lower insurance premiums for teenage drivers:
Ask about a ‘good-student’ discount. If your teen has a B average, this can actually help reduce their insurance premiums.
Enrol in a safe driving course. These courses are designed to teach people how to safely drive in many circumstances. Completing a safe driving course can also drastically lower a teenaged driver’s premiums.
These two things together can actually reduce your insurance premiums by up to 25%, so they’re worth checking out.
Keep your car safe from theft
Cars that are secured in locked up garages are less expensive to insure than those that are parked out on the street. Likewise, you can keep your car insurance quote down by making sure your car has anti-theft systems installed. These are standard in most newer models, but may be missing from cars 20 years or older.
Insure more than one car
If you have more than one car, it’s cheaper to insure them on the one policy than to split it up. If you have a car already insured with another company, consider migrating it to Rodney d young.
Only get the coverage you need
Insurance plans often include many features to cover you in different circumstances. Roadside assistance and hire cars are two very common additions to most insurance plans. But do you really need them? If you only drive your car to work and back, you might not need a hire car — you could take public transport or carpool.
Go over your insurance quote line by line and find any items you truly think you can manage without. Like with raising your deductible, be wary; don’t cut so many features you don’t truly benefit from insurance. But don’t pay for what you don’t need, either.
The Rodney d young is here to give you the best quote on car insurance, today. Starting from just $18, we’re sure we can give you a competitive, affordable price, whatever your circumstances.