What if you could make some changes that would lower the cost of your Illinois car insurance? You might think that carriers don’t take you into account when they decide on your premium, but in fact, it is all about your individual risk profile and there are a few things you can do to improve it.
Drive fewer miles for lower car insurance premiums
The more miles you drive, the higher your accident risk. Reduce the number of miles driven and your risk goes down, too. Consider if a few changes in your mode of transportation might pay off. Is there convenient public transportation? Can you catch a ride with a coworker instead of driving your own car? Is it practical for you to work from home a few days a week?
Take a defensive driving course for better car insurance rates
This is true for any driver but becomes even more important if you are a senior or a teen. Both groups have higher than average accident rates. As we age our focus, reactions and response time all become slower, which means that we don’t think as quickly in an emergency. Refreshing your knowledge and awareness in a course tailored to seniors is a way to be safer on the road while reducing your premium.
If you have a teen driver in the house, you know how expensive it can be to cover him or her. But they can take a driver education course and many companies will give premium discounts if they do. If there is a good student discount offered, your child aged 25 or under may qualify so be sure to check for that.
Car insurance is lower if you avoid getting points on your license
No one wants to get a ticket or get in an accident, and we have more control over this than you might think. Driving defensively is the safest way to drive and we can all benefit by paying closer attention to the road, signs and speed limits. There is too much distracted driving, today, with the pervasive nature of cell phone use. Under no circumstance should any driver text and drive, and they should probably not talk on the phone, either, for safety’s sake.
We have more control over pricing than we might think, and just a few of these ideas could make a big difference in cost.