It’s no secret that automobile insurance rates have been on the rise across the country, and Santa Cruz is no exception. Fortunately, there are a number of simple strategies smart drivers can use to save on their Auto Insurance in Santa Cruz. Keep reading to learn about the most effective ways to save a bundle on your insurance premium, and be sure to talk to the professionals at Coast Auto Insurance for fair insurance quotes and more ways to save.
Increase Your Deductible
Raising your deductible is one of the quickest and most effective ways to lower your car insurance rates. In fact, according to the experts at the Kelley Blue Book, increasing your deductible by as little as a few hundred dollars could save you from 15 to 40 percent on certain areas of your policy. That’s a significant cost savings for making a simple phone call.
Drive Less
Most insurance agencies offer discounts to drivers who keep their mileage below a certain number each year. The numbers can vary, but usually you’re eligible for this type of discount if you drive your vehicle less than 7,500 to 12,000 miles each year. For many drivers, this can easily be accomplished by car pooling more frequently, using public transportation when available and batching errands when possible.
Drive Smarter
Accident and ticket-free drivers receive insurance rates that are far lower than those quoted to drivers with blemished records. Staying safe and smart on the road can net you some serious savings on the cost of your Auto Insurance in Santa Cruz. If you have accidents or violations on your driving record, don’t despair. It’s possible to improve your standing and qualify for a discount by taking a defensive driving course. These courses are inexpensive, typically take place over a weekend and can cut your insurance rates by up to 20%.
Look Into Other Discounts
As the auto insurance business gets more competitive, insurers are offering more discounts to secure customer loyalty. Depending on your insurer, you could be eligible for savings if you’re a college student, senior citizen, military veteran or new parent. When you talk to your agent, be sure to ask whether or not these types of discounts are available.
Automobile insurance can be an expensive part of driving, but it’s a necessary one. Using the strategies above, you should be able to save significantly on the cost of your policy. Visit us at to know more.
