How you can get cheaper car insurance?

Lauren Gensler

FORBES STAFF 

The One Thing You Should Do To Snag Cheaper Car Insurance

There’s a trick to saving hundreds on car insurance that most people aren’t doing. It’s taking the time to ask.

Sure, it’s a pain to call up your car insurance company and haggle over prices, when you’d probably rather be doing anything else.

Yet, that doesn’t stop making it true that just by inquiring with your car insurance company about whether you’re eligible to nab any new discounts, you could save hundreds of dollars a year. This seems simple enough. However, four out of five Americans say they haven’t done it, according to a new survey by insuranceQuotes.com.

Here are some questions to ask yourself to see if you could qualify for some of the most common discounts on car insurance:

Have you tied the knot? Insurance companies charge less for married people than single people, so don’t forget to include your car insurance company on the list of people to share the good news with after you get engaged.

Are you driving less than you used to? In nearly every state, car insurance companies reward drivers who aren’t racking up miles.

So if you’re driving less than you used to — say you switched jobs and your commute was cut in half — let your insurance company know.

Does your job make you a ‘safer’ driver? 

Are you a good student? Each of the ten biggest insurance companies offer discounts for students who are enrolled in an undergraduate or graduate school program and are earning good grades.

Have you taken defensive driving classes? 

So take the ten minutes and call up your insurance provider. Your wallet will thank you.