Personal injury attorneys Boca Raton say, for most drivers on the road, car insurance is one of the most expensive costs when getting behind the wheel. Even for drivers who have a clean record, it can cost hundreds of dollars a month to have coverage. To lower your car insurance and pay less each month, there are several tips to obtain discounts and reduced rates.
1. Buy a Cheaper Car
Most people don’t realize that the car they drive determines the cost of their insurance policy. Those with expensive vehicles will ultimately pay more because insurance companies are aware that it costs more to repair the car in the event of an accident, making it important to purchase a cheaper model. Sports cars and two-door vehicles are also seen as more of a liability because they are often driven more recklessly than sedans. Majority of claims that need personal injury attorneys Boca Raton had a sports car in the accident.
2. Lower Your Premiums
If you’re a good driver who doesn’t have a long list of infractions on your driving record, it makes sense to lower your premium since you are less at risk of causing an accident. You may pay more upfront if you are ever at fault, but you’ll save more annually.
3. Reduce Your Annual Mileage
Policyholders who drive less miles reduce their risk of being in an accident due to a minimal time spent on the road. By working closer to home or using your car less throughout the week, you can convince insurance companies to lower the cost of your car insurance. Should you be involved in an accident, you’ll be able to hire a Boca Raton personal injury lawyer to defend yourself.
4. Attend Traffic School
Those who have received at least one ticket in the last three years have likely seen the cost of their car insurance increase. Have infractions removed by attending traffic school, while also protecting yourself with personal injury attorneys Boca Raton if you are involved in a collision.
5. Pay Upfront
Although most people can only afford to pay monthly for their car insurance, you can obtain hefty discounts by paying upfront for the year. You’ll likely avoid processing fees each month, which can add up to hundreds of dollars annually. Don’t be afraid to ask for additional discounts, which are often available to those with good driving records, teens with good grades, or anyone over the age of 50. Look into personal injury attorneys Boca Raton next time you are faced with an accident situation to know where you stand legally.