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Getting the right family insurance plan is often one of the most challenging things vehicle owners have to do. However, after all those hours emailing insurance companies and haggling over their rate, the job is still not done if you want to save as much money as possible. After you’ve obtained your preferred insurance, you can still do plenty to make sure that you’re not paying more than you need to for your policy. Check out these tips for saving money on your family’s car insurance.

Look for Discounts

Discounts are plentiful when it comes to your car insurance. There are even discounts for teens who maintain good grades throughout the year. According to The Zebra, one of the best ways to go about finding these hidden or unknown discounts is to simply ask your representative. More often than not, they will be more than happy to inform you of the various company and government discounts they offer. After all, they want to keep you on their plan rather than having you go shopping around with their competition.

Managing Teens on Your Plan

Families that are seeing their teenagers getting behind the wheel for the first time understand the serious implications of it. Not only will your insurance rates go through the roof, but your teenager is more likely to get into an accident than an adult. According to Groth Law, teens who text and drive increase their risk of an accident by as much as 23 times. This is why it is so important to educate your teen on the dangers of being distracted on the road and the monetary and criminal costs associated with it. Investing the time into making your teen the safest driver they can be will help to keep them safe and make your insurance rates as low as possible.

Install Safety Tech

Innovations in technology have provided car owners with the opportunity to lower their insurance rates. Often these additions to your car are relatively inexpensive or carry no re-occurring cost. The most common of these high-tech add-ons is the dashcam. According to Washington University, dashcam and tracking technology can provide insurance companies the peace of mind that they will have all the evidence they would need to either cover or deny your claim. Other features include speed recorders for teens. Having data readily available about how fast your teenager is driving also provides plenty of incentives for insurance companies and will often give you a lower rate for it.

Car insurance can be a hefty burden on a home’s budget, especially on a family. It is highly recommended that you adhere to the tips listed above to begin finding ways to lower your family’s car insurance costs.

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