Do you remember the victorious feeling of holding your driver’s license in your hands for the first time?

Being a safe driver is your responsibility. You should be cautious and apply all the knowledge you gained during your behind-the-wheel program.

Once on the road, state laws mandate you to carry a valid insurance certificate along with your driver’s license.

Investing in car insurance could be costly and stressful. Gaining insight into some cost-efficient insurance tips, though, may save you lots of money and trouble.

Hack # 1:  Shop for Bundles & Family Discounts

Like most other service providers, insurance companies want you to buy as many of their offerings as possible. If you have already invested in a homeowner’s insurance, you stand a high chance of getting a bundle discount on both offerings.

Often, younger drivers and teenagers get increased insurance premiums, as they are considered higher risk.

What you may not know, though, is that many companies offer student discounts for performing high schoolers. The amounts vary between 10 % & 40 % and are often valid until the kid turns 25.

Hack # 2: A Defensive Driving Course Can Lower Your Premiums

Insurance companies care about being profitable. However, they also recognize the importance of providing incentives for becoming a safer driver and decreasing the chances of traffic accidents.

If you are new to driving, enrolling in a licensed behind-the-wheel program could result in lower insurance premiums. The same is valid for mature drivers, who take a defensive driving course. It comes with the added benefit of reducing the points on your license.

Make sure you invest in a credible company, which is state-approved.

Hack # 3: Work on Your Overall Credit Score

Often, people feel uncomfortable when investing in a vehicle and the respective insurance. The truth is, though, that your auto insurance operates under similar premises as other types of coverages you have already dealt with.

Building an optimal credit score will positively affect your car insurance. Companies often consider it in combination with your driving record. The logic lies in the fact that if you have low claims rates across the board, you will likely keep that trend with your auto insurance, too.

Hack # 4: Consider Installing an Anti-Theft Device

Whether this step makes sense will largely depend on the area you live in. If you consider your neighborhood to be safe, then it is probably unnecessary to incur the extra costs associated with the purchase and installment of an anti-theft device.

However, if you are situated in a high-risk community, with access to street parking only, an anti-theft car system may be necessary. Double-check with your insurance provider of the accepted options, so your investment does not go to waste.

Final Thoughts

Being a safe driver entails that you are following the traffic rules and regulations. Getting auto insurance is also a part of the legal deal.

Be sure to research thoroughly, ask as many questions as needed, and keep yourself up-to-date on all policies and offerings for optimal savings.