Can You Avoid Auto Insurance If You Have a Car?

Before deciding to drop your auto insurance, it’s important to learn more about what it covers. Not all policies will cover every eventuality, and some are more expensive than others. If you’re planning to do some driving without insurance, be sure to check the state laws that apply to your state before signing up for a policy. Otherwise, you could find yourself in a compromising situation.

Another factor that affects your auto insurance premiums is the driving record of the person driving the vehicle. If you’re a poor driver, you’ll likely have a harder time finding an affordable policy, and your record could make the insurance company look less desirable. Teenagers, for example, have a much higher risk of accidents, and their driving record may be spotty. A few things you can do to improve your driving record and get a better insurance rate are to avoid accidents and drive safely.

One way to lower your premiums is to take advantage of discount options offered by your insurer. Most major insurers offer discounts based on driving history, vehicle features, and policy choices. You can get discounts by going paperless, paying online, setting up automatic payments, or paying for your entire policy in advance. You should look into every discount offered by your insurer to see which ones apply to you. If you can’t figure out what discounts apply to your situation, check out WalletHub’s guide to car insurance discounts.

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