Car insurance may be a requirement, but it is also designed to save you in the event you have an accident, and it's absolutely necessary to protect your own financial future. If your car insurance premiums are a little too high for you to manage with your tight budget, you should know there could be a few things you can change that might help lower the costs. Check out these three simple changes you can make to your vehicle that could fetch you a lower cost to keep it insured and protected.
Keep your car in the garage and not in the driveway or on the curb.
Where do you normally park your car when you are at home? If you are like a lot of people, your car will be parked by the curb or in the driveway. However, if you have a garage at home, it is best to use it to house your vehicle when it is not in use. A garage-kept car can mean you get lower insurance premiums. This is because the car is less likely to be vandalized, stolen, or damaged by nature during the time it is at home with you.
Install an anti-theft device on your vehicle.
There is one big question you will get asked when you are getting an insurance quote on your vehicle: does it have any type of anti-theft device? This is very important to auto insurance companies because it tells them how big of a chance there is that your car could be stolen or vandalized. For example, if your car is equipped with an internal alarm system that is triggered by the doors and windows being manipulated when the doors are locked, it is less likely someone will steal your car. If your vehicle does not have an anti-theft device, whether it is an armored steering wheel column or alarm, it can be worth it to add something and see your premium go lower.
Get rid of aftermarket expensive modifications you don't use or need.
That expensive stereo system, those aftermarket rims, and that spoiler you added to the back may be pretty cool, but if you don't necessarily have to have these kinds of modifications, it is best to simply get rid of them. Vehicles with aftermarket modifications can be higher to insure because the parts can be more costly to replace if something happens.