Are car insurance costs over-stretching your family budget? Below, find a few money saving tips that can reduce your cost of driving.

Defensive Driving
Do you actively drive defensively? For any age driver, doing things that improve your driving skills and safe driving behaviors might get you reduced car insurance premiums. Why? Because safer driving means fewer claims.

This could mean completing an approved driver training (or driver’s education) course, or, for older drivers, a defensive driving course.

Research shows that young drivers who are well-trained are statistically less likely to engage in risky driving behaviors. The more responsibly a person drives, the less car accidents he or she causes. Responsible driving can even save lives.

Defensive driving includes staying off your cell phone while you drive.

To get discounts on your insurance plan, ask your insurance company agent for specific details. You may be eligible every few years to get another discount after taking training again.

Don’t Drink and Drive
Getting a DUI (Driving Under the Influence of mind/body altering substances) can ruin your life. If you get one or more DUI, you can become uninsurable by most insurance companies. Plus, your driver’s license will be suspended or revoked, you could lose your job, and worst of all, if you seriously injure yourself or others you would go to jail or prison, get a criminal record, be required to take rehabilitation classes, etc.

Stick With the Truth
What can raise your car insurance premiums other than offensive driving? Hiding the truth. For example, have you sustained a sports, automobile or other type of injury causing you to have a concussion? If so, it is only safe to drive after a doctor tells you it’s safe to drive again. When you answer questions about your life experiences, tell the truth.

By Susan Fox

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