Drive cheaper in Brooklyn by saving on car insurance premiums!
You can have cheaper auto insurance. Car insurance is one of those bills that you have to pay--but doesn't offer any instant gratification. It's one of those "just-in-case" expenses.
However, there are ways to make it hurt your bank account a bit less.
One of the easiest ways to cut down on your premiums is to raise your deductible. If you don't make a habit of getting into accidents, then you may decide that the one-time expense for repairs if you do get into one is worth it. Depending on how much you raise the amount of your deductible, it can make a significant difference in your payments.
Another quick and easy money saver is to call your insurance provider and make sure you are taking advantage of all the discounts they offer. Many companies offer savings if you carry more than one type of insurance with them--both home owner's and auto, for example. Insuring more than vehicle or installing alarm devices can qualify you for discounts as well.
One more way to save dollars is to take a defensive driving course. This course is 6 hours long and generally costs around $30, if you take it online. You will save as much as 10% on your liability and collision premiums for 3 years--at which point you will need to repeat the class.
It's important to make sure you are taking a course that has been approved by New York's Department of Motor Vehicles. Their internet page, The Point and Insurance Reduction Program, provides details about authorized courses.
If you prefer to take the course in person, rather than in front of a computer screen, there are several options in Brooklyn. Bath Beach Driving School, in the Bath Beach neighborhood, which has been a family owned driving school for 40 years, offers it twice a month for $55.00. A Driver Training, located in downtown Brooklyn, offers the course on alternating Saturdays and Sundays for $49.00.
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