Our Free Car Insurance Advice Can Save You Money

If you're reading this article, you're probably in serious need of expert car insurance advice. Fantastic! We love giving free car insurance advice to consumers (it's kinda like a hobby for us).

Get Free Car Insurance Advice, Save Major Moolah

We're all thinking it, so I'll just say it out loud: saving money rocks! But, if you want to save big bucks on car insurance, you'll need a piece of auto insurance advice first: Finding cheap coverage is about a lot more than having no tickets or accidents on your driving record.

Your "risk factor" is determined by a looooong list of variables, and the key to finding cheap car insurance is to use our auto insurance advice to understand exactly how insurance companies use these variables to calculate your rate and tip the odds in your favor--pretty clever, eh?

It's a good thing you came to us for car insurance advice because if you hadn't, you'd miss out on all the super duper car insurance secrets we're about to share!

Car Insurance Advice - Tip #1: Insurers Love Stability

Here's a secret: Change isn't always good. Whether it's your job, home address or marital status, take our expert car insurance advice and stay put. Insurers crave stability like children crave candy, and they believe that the less moving around you do, the less likely you are to take risks on the road. So the more stable your life appears, the more moolah you'll save on your premium.

Keeping that wise chunk of auto insurance advice in mind, here are two tips for drivers who want to save some serious moolah on car insurance:

• Keep the same job for at least three years.
• Stay at your current address for as long as possible.

Car Insurance Advice - Tip #2: Driver's Ed Isn’t Just for Teen Drivers

Whoa, driving school? That's just for teenagers, right? Not exactly. Driving school is also for adults who want to keep more of their hard-earned paycheck in their pocket. Whether you're trying to erase a ticket from your record or just want to make an already cheap premium even cheaper, completing a defensive driving course may help you save big bucks on auto insurance.

Think driving school may be up your alley? Consider our all-knowing auto insurance advice:

• Even if you think you're a better driver than Mario Andretti, remember that landing a dirt-cheap car insurance rate is about proving you are a "low risk" to your insurer. Completing a defensive driving course is a great way to prove it.
• If you have a ticket on your record, check to see if a defensive driving course can erase your ticket and put you back in your auto insurance company's good graces.
• Car insurance companies believe that drivers who complete defensive driving courses are less aggressive and safer than other drivers, and reward them with lower premiums.

Car Insurance Advice - Tip #3: Where You Park at Night Matters, a Lot

Can you keep a secret? Here it is: Insurance companies want to know where you park your car at night. If that area is high-crime, your insurance company will make you pay. So, for example, if you own a big, safe mansion in the Hollywood Hills but park your vehicle on "Skid Row" Boulevard every night (you're a night-owl, aren't you?), your car insurance company is going to charge you a higher rate. Eeeeek.

So how can you save? Car insurance advice to the rescue!

• The safer the neighborhood, the better. A house in suburbia is safer than a condo in the city, so you'll pay less for insurance.
• Install a car alarm or other anti-theft device. This can protect your vehicle from theft and may land you a sweet discount on car insurance.
• Stay off the street. Insurers consider parking on the street to carry a high risk that your car will be damaged or stolen. Park in a garage or driveway whenever possible.

Car Insurance Advice - Tip #4: It’s Not Just About Accidents

Running a stop sign never hurt anyone, right? Besides, it's not like you hit a pedestrian or ran into an accident or anything, so why is your insurer freaking out?

Not surprisingly, speeding tickets and other moving violations are a really good indication of risky driving behavior. As a result, you'll pay a ton more for car insurance if you're nailed for one too many speeding tickets or rolling stops.

You probably don't need our expert auto insurance advice to know that tickets = high premiums, but just to make sure we're getting our point across we'll give you a few tips anyway:

• Always follow the rules of the road (especially the speed limit).
• If you get a ticket, scroll back up to Secret #3. Your insurer may allow you to complete a driving school program to erase the ticket from your record, helping you to save major moolah on your premium.

Car Insurance Advice - Tip #5: Don’t File Unnecessary Claims

If you file a claim, your premium could go up even if you're not at fault. So, drivers who file a bunch of claims are charged more for insurance, so it pays to stay claim-free and keep your insurer happy.

Follow our expert car insurance advice and know when (and when not) to file a claim:

• Consider handling expenses out-of-pocket for small fender benders instead of filing a claim. If making repairs to your car after an accident will only cost a little more than your deductible, go ahead and pay for it yourself--it'll keep your premium low and save you a big wad of cash in the long run.