Plenty of our insurance tips seem pretty obvious to some drivers, but simply don’t occur to some drivers. There are millions of drivers in the United States alone, and each of them has a different set of circumstances. That’s why we like to offer some insurance tips that any driver can use. One of the easiest ways to maintain a low premium is to keep the vehicle out of locations and environments that may negatively impact vehicle appearance and performance.
Parking in high crime areas, driving through dangerous thoroughfares on a regular basis or even using on street parking in certain areas can all lead to an insurance hike in the long term. If your insurer knows your vehicle is kept and driven largely in safe locations and on safe roads, it certainly won’t increase your rates. It may even be cause for a rate decrease.
Parking the vehicle in a garage can get a driver a reduction on their rates in some areas with inclement weather, as well as in high crime areas. Commercial drivers already know how much higher an insurance policy or bond can be if the vehicle must travel through difficult terrain or a hazardous area. Drivers who regularly suffer auto glass damage see a dramatic rate increase, and inclement weather can add to that damage rapidly.
Many drivers don’t realize they can get a better rate by simply taking better care of a vehicle. This means parking in a secure driveway, or ideally a garage. It can also mean avoiding dangerous driving lanes and peak driving times. Talk to you insurance agent about location based discounts and see what they can do for you.