Seven Things Drivers Can Do To Reduced Westwood Insurance Costs
As long as people have drivers' licenses they are forced to buy automobile insurance
. Planning the driving career like planning a trip to another state can save thousands of dollars in insurance premiums over 10 years. Smart drivers take seven steps to reduce the cost of Westwood insurance. These are to qualify for a safe driver discount, take defensive driving courses, secure the automobile, purchase the right automobile, make sure the vehicle has safety features, purchase anti theft devices and raise their personal credit score. The money saved can be used to buy more gas and go more places.
Thrifty drivers wanting to reduce the cost of insurance pay attention to how they drive, take defensive driving courses and keep the car locked up. Combined these save money, time and frustration. To qualify for a safe driver discount, the driver must be accident and traffic ticket free for three years or longer. The average cost of a traffic ticket in the United States is $150 and rising with the fees cash strapped municipalities are adding; this is the cheap part. This single traffic ticket raises average cost of insurance premiums $900 over the next three years. A defensive driving course reduces the cost of insurance a small amount for three years. Added benefits are a refresher of traffic rules, more driver awareness of potentially dangerous situations and traffic accident avoidance. Cars parked in a garage or behind a locked gate have less chance of being stolen or vandalized; insurance companies offer discounts for this.
Purchasing the right vehicles with safety features and anti theft devices reduces the cost of insurance. Expensive automobiles with high-powered motors are more expensive to repair and insure. These vehicles are more likely to be driven faster and do more damage when involved in an accident. A modest four door sedan with a smaller motor reduces Westwood insurance premiums. Special safety features like anti locking brakes, side airbags, crumple zones (areas in cars design to take impact and protect the passenger compartment) and adjustable seat belts reduce the chances and severity of injuries. Anti theft devices discourage thieves and keep cars from being stolen.
Insurance companies have discovered people with high credit scores are less likely to be involved in accidents. To attract people with good credit scores, insurance providers offer them great rates. A person with a low credit score may pay almost twice as much for the same insurance. Paying all bills on time and reducing the balance on credit cards to no more than 35% of the credit card limits will increase credit scores over time.
Many drivers consider insurance costs an uncontrollable part of automobile ownership. With thought and planning Westwood insurance premiums can be reduced and provide thousands of extra dollars over the years for more motoring enjoyment.
by: Barbara Jackson
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