If your household owns more than one vehicle, each of those vehicles will need to be linked to an insurance policy. Following this logic, we’d get auto insurance quotes tied to the car rather than the driver. However, each individual’s driving history and driving habits make a difference, so in some cases you might want to choose quotes based on the driver. In some cases, you might want to insure yourself as a driver even if you don’t own a vehicle, which would allow you to benefit from certain types of driver protection.

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What Insurance Covers Damage to the Vehicle?

For the most part, the first-party coverage you carry on a specific vehicle is tied to that vehicle. If you get into an accident in one car, you can’t use the collision coverage from your other car to pay for its repairs. However, liability insurance can be transferable under certain circumstances.

For example, if you are driving a car that you don’t own and get into an accident, your own car insurance might be able to pay for damages. This varies from one state to the next. It also depends on whose car you’re driving and what type of insurance that car carries.

Some policies are written to cover accidents involving the vehicle regardless of who is driving it. However, others may be exclusionary plans that cover only drivers named on the policy. Before you borrow someone’s car or lend out your own to a friend, it’s a good idea to double-check the policy details to be sure that any accidents will be covered.

Will Insurance Cover Your Injuries as a Driver?

In some states, every driver is expected to carry first-party medical payments coverage. This insurance pays for your injuries in the event of an auto accident. If you are injured as a passenger in someone else’s vehicle or while driving a car you don’t own, your medical payments coverage will still pay for your injuries.

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Explore Your Insurance Company’s Available Discounts

Most car insurance companies have their own set of insurance discounts. Check with your company to see how you can save more. This may include taking a defensive driving course or, if you’re older, just taking a refresher driving course.

If you have a teen driver, he or she may qualify for a good-grade discount. Also, anti-theft and safety equipment may get you a deal on your rates.

Take Driving Safely Seriously

Accidents and traffic tickets make car insurance premiums increase. If you do receive a ticket, you may receive the chance to attend traffic school to have it dismissed or decrease the number of violations that you have on your record. If traffic school allows you to keep the violation from appearing on your driving record, the time spent doing it could save you hundreds of dollars in the long run.

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Become a Multi-Policy Holder

Insurance companies often offer their clients big auto insurance discounts when they bundle other policies through them. So, consider taking out your Homeowner’s Insurance policy and even your Life Insurance policy through the same company. Before taking this step, be sure to do a cost comparison to make sure that you’re saving money.

Improve Your Credit Score

Today, many car insurance companies assess your credit score to determine whether they’ll accept you as a client and to calculate your policy rates. Some insurance companies believe that people who manage their credit wisely tend to be safer drivers. To improve your insurance policy, you may want to consider taking measures to improve your credit.

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The Take-Home

When it comes to saving money, be sure to get car insurance quotes from multiple providers to compare costs. Also, check with the insurance companies about the discounts that they offer to save more.

Click here to see additional discounts you may be eligible for.

Good Student

If you are a good student, you could get discounts on your coverage. Parents who have a high school or college student on their policies could also get a discount for the student’s good grades. A “B” average or higher is usually required for this discount.

Leisure Driver

Do you just drive to and from the grocery store? Are you just using the car to visit family once per month? If so, ask for a leisure driver discount. This type of offer is for people who typically drive fewer than 50 miles per week.

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No Accidents

If you’ve never been at fault for an accident, ask for a safe driver discount. Car insurance quotes for safe drivers could help you to lower the amount you pay every month. In addition, accident forgiveness could also play into lowering your car insurance rate.

Anti-Theft Devices

Do you have a car alarm? If so, you may try asking for an anti-theft device discount. Your agent should be able to provide you with car insurance quotes based on active and passive anti-theft devices.

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Aging Cars

Is your car getting old? Consider getting car insurance quotes for the minimum coverage required by law. When the value of your car is low, you might not need full coverage anymore.

Multiple Policies

Do you need homeowner’s insurance or renter’s insurance, too? For many people, it’s possible to get a multiple-policy discount. Using the same insurer for your homeowner’s, life or car insurance policy could lower your premiums.

Anti-Lock Brakes

Cars with anti-lock brakes may also qualify for a discount. This is because these devices reduce the likelihood of an accident, and insurance companies offer better rates to drivers with lower risks.

We encourage you to check out our links to find more ways of lowering your car insurance quotes.

Sometimes we get so focused on saving every penny, we might end up making poor decisions that end up costing us hundreds or ever thousands of dollars.

Some decisions can have repercussions beyond money! Driving without insurance can result in a license suspension, which could affect one’s ability to earn a living.

The “What Ifs”

The purpose of insurance is risk mitigation. It protects us from the “what ifs”. What happens if you hit someone’s car? What happens if someone is injured and you’re deemed at fault? What happens if you’re stuck and need a tow truck?

Fortunately, auto insurance is fiercely competitive. Providers seek to provide you the best value.
For example, many insurers give you a discount on car insurance quotes if you also have homeowners, renters or life insurance policies with them.

Roadside Assistance

If your car becomes disabled while driving, auto insurance policies often give you a discount on a tow. However, without this roadside assistance, you’ll be paying out of pocket for a tow truck to remove your vehicle from the road and get it to a mechanic. Towing services could cost hundreds of dollars. Some car insurance quotes also include discounts at preferred mechanic shops when you need repairs or routine service on your vehicle.

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Accidents

When you drive, there is always a risk of getting into a car accident. Although most car accidents are minor mishaps, even a low-speed collision could result in expensive repairs. A bigger accident could also result in a lot of medical bills for you and anyone else involved in the crash. Without car insurance, you could be on the hook for paying for all of the car repairs and medical bills out of your own pocket.

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Legal Fees

If you get pulled over by the police for a traffic violation, you’ll be asked to provide proof of insurance. Those who do not have auto insurance could end up with some hefty fines. In addition, those driving without insurance could be penalized with license suspension or even license revocation. Getting your license back will cost additional fees after you provide the proof of insurance.

As you can see, maintaining car insurance is actually a wise investment. Check out these discounts on car insurance to see if you can save money while enjoying the peace of mind that comes from knowing that you’re protected.