Lowering Your Auto Insurance Rate
Defensive Driving – Taking a defensive driving class is quick and easy; you can do it online in a few days. And the discount? It's a lot bigger than the price of the class. Show your certificate to your auto insurer for big savings.
Anti-Theft Devices – Lo-jack, car alarms, and most other anti-theft equipment will save you money in auto insurance long-term.
Low Mileage – If you don't drive all that many miles throughout the year, you can get a good discount. Contact your auto insurance company for more information.
Increase Your Deductible
If you can afford to pay a higher deductible, go for it. The higher your deductible, the lower your premiums will be.
Reducing your annual mileage reduces the risk of a collision and that reduces how much you have to pay for coverage. The less time you spend on the road, the less you'll pay for auto insurance.
Besides, walking and biking is great for your health!
You can't change the past, but you can control the future. Drive cautiously and obey all the rules of the road; with a good safe record, you'll be charged less and less for auto insurance.
***Get a copy of your driving record. If you think you are paying too much for auto insurance, there might be something on there that shouldn't be.***
Improve Your Credit
Credit score is a big factor in your auto insurance rate. If you can lower your credit score, you will save on auto insurance.
1. Get a free credit report.
2. Investigate any errors.
3. Pay down as much as you can. ***Getting a credit card to 1/3 of the limit gives you a big boost***
4. Keep your oldest credit cards open and continue to pay them regularly.
If all else fails
Shop online for a new auto insurance policy. Compare auto insurance quotes right here to get the lowest possible rates in your area. Then, talk to an agent from each company about adding discounts. Some companies give bigger discounts than others—so use the rate quotes as guidelines. Once you get the real number from an agent, you will see the real cost of your auto insurance.
Terminating a policy early does cost you some money, so make up for that cost by signing a long-term deal for an even lower rate.