5 Ways to Get a Price Cut on Car Insurance for Men

Men are considered Public Enemy No. 1 when it comes to car insurance.  Statistically speaking, men get into more serious accidents than women do and the damages incurred cost the insurance companies far more during the claims process.  Men get a bad rap when it comes to driving in the eyes of the insurance company, but there are ways to fight back.  Keep more money in your pocket by using the following 5 tips:

1. Ensure that your coverage is appropriate for your lifestyle and the vehicle you drive.  If your car is financed you will likely be required by the lender to have full coverage on your car.  However, if you own your vehicle outright you could save scads of cash by only insuring your vehicle to the minimum liability coverage required by your state.
2. If you consent to, and pass, a state sanctioned defensive driving course that is certified you can get a nice discount on your insurance policy.  Remember that you have to pass the course and get a certificate to forward to the insurer.  They will not take you on your word that you did so.
3. If you take vehicle security seriously you can get an additional discount on your car insurance.  The statistic is that a vehicle is stolen every 26 seconds in the United States so any measures you take to prevent a theft is good in the eyes of the insurers.  Car alarms, boots, wheel locking devices, security windows, security locks, and so on will be deemed as acceptable and eligible devices.
4. Keep up on your car maintenance.  If you make regular repairs, ensure you have good tires at all times, and pass emissions tests then you can save money.  You won’t get a discount from the insurance company for this work, but you will not have to file as many claims on your insurance to fix these issues when they become major problems.
5. Drive less.  It is a little known fact, but the less you drive the less you will pay for your insurance.  You can get a low mileage discount on your car insurance if you make a commitment to drive less.  Take advantage of commuters’ services like car pools, busses, and trains.  If you live fairly close to work then you can ride your bike.  You can also see about telecommuting some of the time to cut down on mileage.  The less you are on the road the less a risk you pose.