Men are the number one enemy in the world of male car insurance and driving. Statistically, men are more likely to be in accidents and file more insurance claims. All male drivers have been hit hard by this fact. There is a way to win the fight and keep more money in your pocket. Here are five simple ways that you can get insurance companies to reduce your coverage costs.
To get insurance companies to lower your male car insurance premiums, make sure you have the right coverage for your vehicle and your lifestyle. You must have full-coverage if your vehicle is newer than a car you finance. However, if your vehicle is yours you can only have minimum liability coverage. You will save money by making the adjustment from full-to-liability. You could save as much money by buying a car directly instead of financing it.
A defensive driving course approved by the state is another way to show that you are willing to pay less for male auto insurance. Individuals who complete this type of course receive discounts on auto policies. Your discount will be applied to your auto policy once you have completed your course. You can save money by taking the course before you actually need it. If you are required by a court to take a course following an infraction, insurance companies will not offer a discount.
A third way to get male car insurance companies to lower your premium is to know how to mark your territory, and protect what’s yours. It is vital that you protect your vehicles from theft, as it happens at an alarming rate of one per 26 seconds. You have two options: high-tech anti-theft devices like “Lojack” and low-tech ones such as a steering wheel lock device. VIN etching, a popular deterrent, is a method that inscribes your vehicle’s identification number on all your windows. This makes it nearly impossible to conceal the theft and makes selling those parts almost impossible.
A sound vehicle on the road is the fourth way to save money on male auto insurance. Do not neglect maintenance as these can come back to bite your wallet in the form of a tow or other assistance. This coverage will not be included on your policy. Pay attention to your vehicle if it requires an oil change or rotated tires to avoid this.
Driving less is the final option to avoid being a target when searching for male car insurance. Although this seems counterintuitive, it is possible to get low-mileage discounts from insurers if you keep your mileage below a certain amount each year. You can reduce your driving by taking a bus, train or bicycle to work. If you live near your job, you could walk. You could even take the initiative to walk more. A carpool van could be provided by your employer. These are just some of the ways you can save money on auto insurance.