Your neighbor: the guy who thinks he’s
so much better than you. His grass is greener, his dog is more well-behaved, and
he’s paying less on car insurance than you. Surely it’s not his “perfect” grass and dog that are saving him money on car insurance. So what is it?
Most of us already know that when you get quoted for car insurance, your insurance company will look at your:
- Age and gender
- Marital status
- Address
- Credit score
- Driving history
- Type of car
This determines how much of a risk you are to your insurance company. However, if you and your neighbor live relatively similar lifestyles and you have a clean driving record, why are you still paying more for car insurance?
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There could be a number of reasons why your car insurance premium is so high. Today, we’ll share some hidden costs that you may not realize are spiking up your car insurance.
We’ll also share with you some solutions to each of these problems.
You Drive Too Often
How often you drive determines how much car insurance you’ll have to get. If you’re on the road more, there’s a higher chance you’ll get into an accident. If your commute to work is less than a 15 minute drive, you’re likely going to have a higher premium. However, there are ways to get better discounts if this is the case.
This year, many Americans have had to get accustomed to the “
work from home” lifestyle. This can be a good thing if you’re looking to save money on car insurance. You can change your car’s insurance to
low-mileage or pay-per-mile coverage if it’s no longer a daily commuter car.
Your “Clean” Driving Record Isn’t Actually Clean
You may think you have a clean driving record, but have you
checked your driving record recently? You may have some things secretly increasing your car insurance premium. Your driving record is easy to access, and it’ll show things different things on your record such as:
- Your basic personal information
- License number, classification, status, and expiration date
- DUIs, fines, suspensions, and points
- Traffic violations and convictions
- Recorded accidents
You may have a ticket you’ve totally forgotten about, or didn’t even realize you had. Your driving record also shows how many accidents you’ve been in, whether or not they’re your fault. Even if you
weren’t at-fault for an accident, it can still increase your insurance!
When you check your driving record, be sure to go over absolutely everything. Even though it’s incredibly rare, mistakes can be made. There might be something on your record that’s not actually supposed to be there.
You’re Not Bundling Your Insurance
Insurance companies want to do as much business with you as possible. This means you need to bundle as much as you can to save more money on car insurance! There’s lots of different ways you can bundle your car insurance. This could mean bundling your home, and your partner’s and your kid’s car insurance.
The idea of adding your teenage driver onto your car insurance might scare you because it’ll increase your premium. However, if your whole family bundles their car insurance as a group, both you and your teen will end up saving way more money.
Be sure to also go over how much each person drives. If your partner works from home, or your teen mostly uses their car for weekend outings, you can change their car insurance coverage.
You’re Not As Safe As You Think
After you
check your driving record and confirm that it’s clean, ask yourself if there are more ways you can be a safer driver. Lots of car insurance companies offer discounts for drivers who have taken defensive driving or safe driving courses. These courses are super affordable and some are only 4 hours long!
Even if you’ve been driving for years with no accidents, it doesn’t hurt to learn something new. If you have a
teen, take the defensive driving course with them. This will also instil valuing safe driving over anything else since you also show value in it.
If you’re in the market for a new vehicle, look for one with lots of
safety features. This will help prevent accidents, saving you even more money on car insurance. Some car insurance companies will also give discounts if you’re the vehicle’s first driver.
You’re Not Using Any Secret Discounts
Of course there are secret discounts you’ve probably never heard of before! Insurance companies don’t often share
these secret discounts or advertise them because they can vary from state to state. For example, if you’re a nurse or a first responder, you can get discounts on your car insurance.
Also Read: Are You Eligible For These Hidden Discounts?
Your insurance company might not tell you all the ways you can save money on car insurance, but Quote Purple can. Follow our page to find even more ways to save money on all your essential insurance. We can help you find a rate that’s definitely better than your neighbor’s!
Want to compare car insurance quotes? Call Quote Purple to talk to a partner today.
