WEDNESDAY, SEPTEMBER 21, 2011
Automobile insurance can either be a blessing or a curse, depending on which company you’ve signed up with and the plan you’ve decided to invest in. The most expensive plans aren’t necessarily the best. When choosing the right insurance plan for your car, you might want to consider the tips below. 
Keep your driving record clean.
What high school records are to admission departments of colleges and universities is what driving records are (even when you were just a student driver) to automobile insurance companies. If you want the cheapest insurance rates, then you have to work hard for it from day one by steering clear of any driving violations.
Driving the right car helps lower insurance rates.
There’s no denying that the idea of driving a sports car or even a large SUV is extremely attractive. On the other hand, statistical data also show that drivers age 25 years old and below are a particularly bad risk for insurance companies, hence the more expensive rates than usual. The expected increase can, however, be offset with the right choice of car. Insurance companies are more likely willing to lower your rates when they see you’re driving a trusty and reliable sedan or something similarly safe.
Enroll in a course for defense driving.
You may not think you need it, but the insurance company would be happier if you take it all the same. In any case, there’s no harm in trying something that’s sure to benefit your driving and lower your monthly rates at the same time.
Invest in safety add-ons.
Pimping out your car with "bling" will make it look more attractive in the eyes of your peers but not in the eyes of an insurance company. Stock seatbelts and airbags aren’t enough. You need to invest in additional safety features like back-up sensors to make parallel parking accident-free. Anti-theft systems are also a big help. You can install an alarm system in your car. Installing one in your home also matters since it lessens the risk of having your car stolen from your garage.
Listen to your parents.
The saying ‘parents know best’ may not always be true, but in this case it is. Even if they’re not the ones paying for your car’s insurance, they’re still likely to have more experience than you do with automobile insurance. Whatever tips they may want to share will be given out of concern on your behalf so why ignore them?
Talk with one of our agents at Claude Reynolds Insurance to find out how much you can save on teen car insurance or get a free instant Louisville auto insurance quote right now.
By Matt Reynolds - Google+
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