Despite of the fact that you are unemployed, car insurance companies charge more if you are out of work. For the unemployed, there is an increase of over 60% higher than those in work. Externally, there seems to have discrimination when it comes to car insurance rates suggesting that unemployed people are tempted to commit crimes; however, statistical evidences show that the unemployed submit more accident and traffic violation claims than the employed. However, there are simple things you can do to cut down your expenses on car insurance.

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1. Limit your mileage. Few miles means lower premiums. Insurers charge higher premiums car insurance proposals with higher mileage. Given the fact the unemployed policy holders have costlier rates; it is just wise to submit a lower annual mileage figure on your car insurance. Aside from this, you should follow what you have proposed as incompliance can invalidate your application and would add up to your expenses.
 

2. Improve your security. If your insurer sees that you are taking necessary precautionary measures to reduce the risk of road accidents, car theft, and traffic violations, he will therefore give you amazing discounts and lower premiums. With this, you must always check the condition of your car, install security devices, park your vehicle off road or in a garage, and enrol to advanced driving courses.
 

3. Choose a better car. Costly and hi end vehicle often lead to expensive car insurance rates. This is because, these cars would cost too much to repair if it gets caught in an accident or has been damaged. Given that you are unemployed, it would be better to switch to a car which is considered in a lower group at the moment to reduce your premiums.

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These are only a few of the things you can do to cut down your expenses on car insurance. To find out more on how to cheapen your rates, check out http://autocarinsurancerates.com/