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Kia Optima PHEV 2017 HR 1

Tips For Keeping Car Insurance Costs Down In 2020

Your car insurance can be one of the most expensive bills that you pay every single month. This can equate to thousands of dollars every single year. Fortunately, there are some ways to lower your bill. Here are some tips for keeping car insurance costs down in 2020.

Shop Around

Car insurance rates may vary greatly with different carriers. This is why you need to shop around. Find out what the cheapest car insurance policy is available by sitting down with an insurance agent to discuss what you need out of your car insurance. You probably can save money by opting out of things like rental car reimbursement or by increasing your deductible. You might be able to save a lot of money on your car insurance every month just by switching to a different carrier. This can range from a few dollars to over a hundred dollars. It doesn’t cost anything to get a quote from different carriers, so you might as well take the time to shop around.

Kia Optima PHEV 2017 HR 5

Utilize Safe Driver Apps

If you are a safe driver, then there is no need to be paying hefty rates for your car insurance. You may be able to use safe driver apps offered by insurance companies to save money. These apps monitor your driving habits and transmit that data to your insurance company. If they find that you do have safe driving habits, they may offer you a discount on your car insurance. By utilizing these safe driver apps, you might be able to save quite a bit on your car insurance rates every single month.

Hire A Traffic Lawyer To Fight Speeding Tickets

Speeding tickets can greatly increase your car insurance rates. This is why you need to do what you can to have them removed from your driving record. If you’ve gotten a speeding ticket recently, you should consider hiring a traffic lawyer to fight it for you. If they win your case, you won’t have to worry about your insurance rates going up because of your ticket. These lawyers aren’t free, but the cost may be more than worth it to save money on your car insurance.

Kia Optima PHEV 2017 HR 2

Take A Safe Driving Class

Some insurance companies will offer you a discount if you take a driving class. These courses are designed so that you can learn tips on how to be a safer driver. They do cost a bit of money, but you may be able to get a substantial discount on your car insurance just by completing a driving class. These courses can usually be completed in as little as a few hours.

Improve Your Credit Score

Many individuals don’t realize that their credit score can be causing their car insurance rates to increase. If you have poor credit, your car insurance company may see you as a risk. Because of this, they will increase your insurance rates. This is why you need to improve your credit score. Pay down your debts and pay all of your bills on time every single month.

You may find that your car insurance rates are very high this year. However, there are some things that you can do to keep the costs down in 2020. By utilizing the above tips, you can find the best rates for car insurance and pay as little as possible.

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