Drop Your Auto Insurance Premium With These Three Steps

If you've decided that you'd like to pay less for your car insurance, you probably know about a variety of the methods that are at your disposal. Strategies such as installing a security system, bundling your various insurance policies together and taking part in a defensive driving course can all contribute to a lower premium. There are some lesser-known methods, however, that are easy to accomplish and can also result in favorable rate drops. By implementing the following three steps, you'll be happy with the results when you see your next insurance bill.

Swap Your Tires

Driving on summer tires during the winter months makes you more susceptible to an accident. Going through the process of buying winter tires and putting them on your vehicle before the snow starts to fly in the late fall can translate into a lower auto insurance premium; typically, you can expect to see a premium drop of about five percent, although this amount can vary by company. Many insurance companies require proof that you've taken this step, so all you'll need to do is keep a copy of your sales receipt and submit it to your insurance agent to be eligible for the drop in your rate.

Find Other Travel Methods

The mileage that you put on your vehicle can impact your premium; the more you drive, the more you're at risk of being in an accident. As a result, high-mileage drivers often have higher insurance premiums. Walking or taking your bike to nearby destinations are not only healthy choices, but also result in fewer miles driven -- and a subsequent drop in your premium. While each insurance provider has a different definition of the term "low-mileage driver," you typically need to keep within the range of 7,500 to 15,000 miles driven per year to qualify. Another factor to consider is your commuting style. Finding a way to get to and from work without the use of your vehicle -- on public transit, for example -- is a cost-effective change to make.

Share A Child's Academic Success

Many insurance companies offer premium reductions if you have a student who's excelling in school listed on your policy. Typically, the student needs to be achieving at least a "B" average in his or her studies to put you in line for a discount. While you'll likely already be congratulating your child on his or her success in the classroom, the success can be advantageous for your premium, too. To learn more, speak with a business like Allstar Insurance.