Lowering Your Car Insurance Premiums by Cleaning Out Your Garage


When you look to reduce your auto insurance premiums, you may begin by focusing on the big things such as anti-theft devices, defensive driving classes, and policy bundling. This is not a bad idea, of course; after all, anything that lowers your premiums is a good idea. By paying so much attention to these basic money-saving steps, you may be ignoring some of the tiny changes you can make that may affect your premiums; especially if you have comprehensive coverage.

The Importance of Off-Street Parking

Whether you are at home, at work, or running errands, parking on the street exposes your car to more risk. Not only is your vehicle basically hanging out, asking to get hit or dinged by another car on the road, but you are also more exposed to the elements, pedestrians, vandals and thieves. Insurance companies need to consider these factors so your premiums can compensate for the risk you present.

Why Clean Out Your Garage

Garage parking for your vehicle is ideal. While any off-street parking helps, garage parking is a much more effective way to limit your risks and protect your car. But if your garage is filled with stored furniture, boxes and other unused items, it’s going to be impossible for you to capitalize on this money-saving opportunity.

When you work to clear your garage of clutter, there are a few things you should keep in mind.

  • Give yourself enough room to drive in, and get out of your car. If you can’t open your doors and get out of your car, then garage parking is useless.
  • Use the height of the room to your advantage. Set up shelves in your garage to store items off the floor. Make sure you don’t overstuff the shelves or create a hazard of potentially falling items.
  • A place for everything and everything in its place. Make sure you and your family have committed to creating a designated spot for everything that is kept in the garage. These areas leave your parking spot and walking area clear. If you don’t, you run the risk of damage or injury when something is left where you need to drive and walk.
  • Tell your insurer if you are changing your regular parking situation. By letting your insurance company know, they can adjust your rates accordingly.

If possible, you might consider selling the items you have in your garage that you don’t actually need. A garage sale is something that could work to set off your insurance costs even more.

Driveway Parking

If you don’t have a garage, don’t despair. Driveway parking is also important in the battle for lower auto insurance rates. While garage parking gives you an extra layer of protection, driveway parking is still superior to on-street parking. It makes your vehicle less of a target for vandals and thieves as well as exposing it to less accident risk.

City Living or Working

If you live or work in an urban area, it may be more difficult for you to find free garage or off-street parking. In those cases you may want to explore the cost of paying for a reserved spot. Compare the cost of paying for parking with the insurance savings you could gain. Don’t let the math stop there, though. You should also consider how much you might save in deductible expenses for each incident you can avoid by paying for parking.

Your vehicle is an important part of your life. Your insurance can be the tool that keeps you on the road after an incident damages your car. Saving money on insurance just makes good sense. Give us a call and we can help you find many other ways to save.

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