Car insurance can be expensive, especially when you opt to have full coverage. The average car insurance payment depends on a number of factors, but many people report paying more than $100 a month for their coverage. No one should have to pay this. The reason people do pay so much for their insurance is because they don’t know about the various discounts that may be available to them, and they don’t shop around to get the best rates. If you take the time and get quotes from different insurers, you can be sure that you are going to have a better rate than the average car insurance payment.

Customer Loyalty Only Goes so Far

Many insurance companies offer discounts to customers who have been with them for long periods of time. This can be a good thing, but it can also be a bad thing. Yes, it is great to be able to get a discount, but many people don’t realize that these discounts may not be saving them much at all if they are paying more for their insurance products in the first place. Here are a few reasons why you should think twice about sticking with the same insurance company for many years:

• If you have been a customer long enough to be eligible for a loyalty discount, you probably haven’t bothered to shop around lately for car insurance. You should, because you may find that you are paying more than the average car insurance payment. You may be getting a discount, but it doesn’t count for much when you are still paying more than necessary for your coverage.
• Other insurers may be able to offer discounts that your current insurance company does not. Even if you never do make a switch, you should still think about getting a few free quotes from other insurers to find out if you could be getting discounts that will help to lower your average car insurance payment.
• You may simply be staying with the same insurer out of a sense of loyalty. If this is the case, you could be missing out on some big savings from other insurers. Again, you can shop around for quotes, and you are never under any obligation to buy anything until you are ready. At least you will know what else is being offered, and if you should question your loyalty to your current insurer.

Saving Money on Car Insurance

When you are shopping around for free insurance quotes you may find that you are eligible for a number of discounts that will help you get better rates than your current average car insurance payment. Some of the discounts that you can look into include:

• Safe Driver Discounts – If you have had a clean driving record for a certain period of time, usually three or more years, you may be eligible for a safe driver discount. Once you have received this type of discount, you will continue to get more discounts for every year that your driving record remains clean.
• Age Discounts – Most drivers aged 55 and older who are safe drivers qualify for discounts that help to lower the average car insurance payment. The only thing to remember is that once you turn 65 your rates may begin to increase again.
• Military Discounts – If you are a current or retired member of the military, you may be able to save as much as 15% on your car insurance. Some military members and veterans report saving more than $400 every year with these discounts.
• Student Discounts – If you are a student who is getting really great grades, there may be a special reward in it for you. Many insurance companies offer these discounts as incentives for students to continue getting good grades. College students can also save money on car insurance if they still live at home.

Talk to Other Insurers

In order to make sure that you are getting the best insurance rates, you need to get free quotes from many different insurance companies. The average car insurance payment can vary from insurer to insurer. The amount of coverage you need will come into play with your rates, along with many other factors. To make it easier for you to get free insurance quotes, we can help. Just give us your zip code and we will search our databases for insurers in your area as well as national insurers. You can study these quotes, then decide if you need to switch insurance companies so you can get a better average car insurance payment.