Reader’s Question:

I’m a relatively new homemaker here in Florida. My husband is a pretty smart guy and works hard for a living. I’m pretty sure that he’s about ready to buy me a car for me to get around town. Frankly, I’d like to impress him by letting him feel I did my homework on cars and auto insurance. I heard that auto insurance is a killer, so I’d like to help him with comparing discounts.

Irene

Miami, FL

Hi there, Irene. First of all, you are a lucky woman to have your hardworking husband over there in Florida. And he is lucky, too. It is quite commendable that you would want to lessen his load on coming up with a good auto insurance policy for you. You may want to impress him not only with your knowledge but also getting cheaper auto insurance for him. As a home maker, you should also be concerned of the monthly premiums your husband has to pay for auto insurance.

Since you are no stranger to online activity, you can certainly maximize the opportunity to get cheaper auto insurance rates. You can also browse the different auto insurance websites to get a cheap quote.

For other things to do, here are some ideas. First, decide on what car you are getting. Let’s face it. You’d be the one who’d end up choosing. Is it going to be brand-new or a second-hand car? Check the safety ratings of the car you’re planning to buy, and it’s usually the less expensive vehicle that’ll get a positive view from auto insurance companies.

Of course, these will a play as significant factors in your auto insurance rates. Are you a new driver? If yes, then do take some driving classes, too. It is possible that you can get a discount if you do this. You can also try if the auto insurance companies have a program for mileage limits in a year.

Ask for discounts, you never know what you might be able to get and how much you can save by asking.  Some popular discounts can be given for:

1. Military personnel

2. Good grade students

3. Union membership and bank member affiliations

4. Safe drivers with no claims in last 7 years

5. Defensive driving school attendance

6. Clean credit history – used by many carriers to determine payment risk