This means that if you get into a lot of accidents, get a lot of tickets or even just break the law a lot in general, you are going to have a very, very high car insurance premium, which is something that everyone should be trying to avoid!

Your age is also something that you want to take into consideration, which obviously can not be changed but you certainly want to keep in mind that if you are under 25, your insurance premium is higher.

One thing that is definitely over looked is that allowing your auto insurance policy to lapse will make it impossible for you to take advantage of any discounts that you might be looking into.  If you let your car insurance lapse any, you will definitely condemn yourself to higher rates.

However, you can always reach out to your insurance agent to seek their advice and they may be able to offer up some insight.

Now that we have talked about how you can keep your car repairs in check, let’s go ahead and talk about some more ways to save some cash on your repairs for your car.  While you can not do everything yourself for your car – you can make sure that you are getting the best deal out there.

That brings me to shopping.  No, not Christmas shopping yet, but shopping to find the best auto repairs place as well as the best auto repair price.  Now, I recently went through this myself and I found that getting on the phone with the auto repair places is the best option – usually, I am all about the internet but this is important.

You want to make sure that you not only listen to the tone of the person who picks up the phone but anyone who quotes you rates … get their name.  That way you can reference them when you go get your car fixed.

In this day and age, trying to save money is definitely something that is on everyone’s mind.  Whether you are looking to scrimp a little bit on your car insurance policy or you are just trying to cut back on the luxuries in your life.  Your car repairs do not have to cost you an arm or a leg – I can promise you that.

While you definitely do want to keep your car repairs in check, there are little things that you can do in order to keep your repairs up and your costs down.  For example, learning how to change your own oil or even your own brakes is a fantastic way to save quite a bit of money.

Brakes are usually the most expensive and I can promise you that if you learn how to change them yourself, you will only spend about $20.00 on brakes!

Their familiar red umbrella logo is really reassuring for most people as it is a symbol that they are going to take care of you.  Currently — Travelers Insurance actually has a 92% overall customer satisfaction and I absolutely love that about them!

This is an insurance company that gives two craps about their customers … and that is more than some car insurance companies.

However, there is a trick to this one … if you happen to get into an accident; you will have to pay a larger deductible right upfront.  So that is definitely something that you want to keep in mind and talk about with your car insurance agent before you just do it.

Another thing that you should be doing is making sure that you actually driver safely, as this is something that can truly affect your car insurance premium.

The first thing that you might have to do is move – I know that sounds unreasonable but if you live in a rural community with little crime and traffic congestion, your insurance premium will most likely be lower than if you live in an urban area.  The reason?  Well, your car could get damaged, involved in an accident or even stolen.

In the next blog, we are going to talk about how you can increase your deductible to save some money!

You want to make sure that you are doing everything in your power in order to ensure that your car is safe.  For example – you will never believe how parking in covered parking like a garage will help your car insurance premium.  Actually it is one thing that people never think about but it can make a huge difference.

So think about that and it never hurts to ask your car insurance agent what you can do to lower your premium – they know and will share the knowledge!

The first is if you have steering wheel locks on your car, which is absolutely going to help lower your car insurance premium.  Car insurance companies really like cars that have some sort of theft devices and honestly, you will be able to get a better premium if you install even something as simple as a car alarm – trust me, I know!

In the next blog, we are going to talk about how your location alone can affect your car insurance premium and what you can do to help that.

However, talking to people and truly understanding your policy is something that not a lot of us internet people actually have.  Having a great understand of your car insurance policy is something that many – many people do not have and if you get into a car accident, nine times outta ten, you are not going to know what is covered.

That is not a good thing; however, the internet is not always a bad thing!  Just make sure that you educate yourself … seriously educate yourself.