Experts recommend that you shop for car insurance every six months to save money. But why exactly should you shop around for car insurance every six months?
Many policies are set for six months and then renewed at the end of that period. This makes switching insurance companies
easier at the end of that six-month timespan, as the policy from your new insurer can pick right up where the old one left off. On top of that, a lot can change in six months that affects your premium. Read on to learn some of the reasons why you should shop for car insurance every six months, compiled by Jerry
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You've maintained a good driving record
Maintaining a good driving record
is important, as going a long time without an accident or ticket lowers your level of risk in the eyes of many insurance companies. The longer you've maintained a clean driving record, the better car insurance rates you can get. Shop around every six months to be sure you're taking advantage of your squeaky-clean driving record.
Insurance rates go down as you get older
As you get older, you can expect your insurance premiums to go down. Younger drivers get into accidents more often, so they're higher risk. As you get older, you're less of a risk to your insurance company. so they'll lower your rates.
This can really make a difference for younger drivers who have just hit the milestone age of 25. While turning 25 doesn't guarantee a reduction in your premiums, 25 is the age when many insurance companies reduce the amount younger drivers pay.
Even past the age of 25, your insurance premiums tend to go down as you get older, so checking every six months can still save you money.
You've had major life changes in the past six months
A lot can happen in six months that can greatly affect your car insurance premium. Here are a few life changes that will raise or lower your car insurance.
You moved locations
If you recently moved, you should consider shopping around for car insurance. Where you live can have an effect on what you pay. At the very least, check with your own insurance company to see what effect a move has on your premiums.
Also, going away to college
can have an effect on your car insurance premiums, with some insurers offering a discount for a teen going to college and leaving their car at home. You also need to keep in mind that buying a house makes you more attractive to insurers, as owning a home denotes taking on added responsibility and becoming less of a risk taker. You got married
Getting married
can cause your car insurance premiums to drop. If you are married, insurance companies look at you as a lower risk. Married people tend to drive safer cars and generally take fewer risks than younger, single drivers.You had a baby
The period after you have a baby is another great time to shop around for car insurance. Parents tend to drive safer cars, which in turn means lower premiums. You should enjoy many years of low rates as a parent, at least until your children get old enough to start driving.
As a driver, you should always be on the lookout for ways to save money on your car insurance premiums. Shopping around every six months allows you to take advantage of getting older, buying a house, or keeping a good driving record for an extended period of time.
With most car insurance policies lasting half a year on average, looking for car insurance every six months makes perfect sense as it allows you to easily switch companies with no lapse in coverage
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You can get a lower rate if you shop around every six months, but do you really want to go through the effort of contacting several insurers every six months and comparing quotes yourself?
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