One of the best things you can do to help lower your premiums after being involved in an accident is to take a safe driver course. Many states have certified schools that can give you a certificate of completion for a safe driver program. The class will usually take 1 or 2 days to complete and will help you understand the concepts of defensive driving as well as teach you techniques and skills that will help you avoid accidents in the future. Insurance companies see this as a commitment on your part to help lower your chances of having another collision which in return will result in charging you less money for your policy. Be sure to check with your carrier and state to see if these types of courses will help you. Many insurance companies in California give discounts for drivers who take the time and initiative to complete such classes.
Another great way to save is to research the rates of various insurers. This can be done quickly and easily by comparing auto insurance prices online. We here at 2autoinsurance.com offer this service for free. Our comparison tool allows you to check which companies will offer you the lowest rates based off of your current driving record. Simply indicate and tickets or accidents on the violations section and after inputting some basic information you will have access to the rates of several top rated carriers. Simply choose the one that offers you the lowest price.
One other way that high risk drivers can get inexpensive auto insurance is to drive less. That’s right, those of us who are on the road for less time and drive less miles can be rewarded with a lower policy premium. Reporting less miles on your insurance application can mean big savings because the company sees you as a lower risk since you will not be on the road as much. Some ways to reduce the amount of miles you driver per year are to take public transportation, carpool to and from work or ride your bike or walk to destinations that are within a couple miles from your home. Not only will it save you money on your coverage but you will save on gas and get exercise all in one shot!
Whether you try all three ways to save or just one you can definitely pay less than if you were to take no action after being involved in an accident. We all could use more money in our wallets these days so why not start by saving on your car insurance policy?