Think People Driving Without Car Insurance Really Care? The Answer Is No!

The chances are good that every time you drive your car, there are people driving around you without auto insurance. Many people believe car insurance is just another bill to pay and in return they see no value. If you think this is an exaggeration, these same people have plenty of tickets to prove it.

Nearly 12 out of every 100 cars are not insured. If you look outside your office and see 50 cars of co-workers, assume that 6 of them are uninsured. According to 11News, in the state of Texas this estimate is even higher: 15 percent of drivers are uninsured. One of the major reasons that auto insurance rates rise every year is because if you are not insured, you make the premiums for all drivers go up."That fact alone should be enough motivation to have at least basic coverage. If you get into an accident and have to pay out of pocket, it's going to cost a lot more than if you were properly insured."

The good news is that if you driving record is good, your monthly car insurance premiums will be low. Sites such as InsuranceQuotes.com allow you to receive quick and easy quotes within minutes. You will be contacted either via email or phone by insurance agents that want to earn your business.

Listed below are a few tips to keep your monthly car insurance premiums low:

-Reduce your deductible. Simply raising your deductible from $500 to $1000 will shave up to $200 per year off your premiums. This means that if you have an accident, you will be responsible for paying the first $1,000 out of pocket. This makes a lot of sense, especially if you have an older car. If an older car has damage, you may be better off putting the $1000 down towards a new car

-Keep your driving record clean- If you get caught speeding, your insurance rates might increase as much as 15% per ticket. Avoid getting your license suspended. Too many driving tickets or DUI might increase the price of your policy up to 40 percent, and in many cases you won't be able to get approved next time you shop for auto insurance quotes. If you go several years incidents, you will be rewarded with low monthly insurance.

-Buying two types of insurance from the same company or insuring more than one car is very likely to get you a discount. Also, insurance companies reward long term customers with preferential rates.

-Maintain a good credit score to keep your insurance rates low, since insurance companies check credit records. More important, with a good credit score, you have more freedom to dump your current insurance company and shop around for better deals.

-Get married. There is a strong likelihood your insurance rates will decrease when you get married. While this shouldn't be the only reason you get married, it may be the extra push you need to tie the knot.


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