7 Tips For Getting Better Auto Insurance Rates
Paying high auto insurance costs every month can definitely be a bummer. Whether your high premiums are due to having bad credit or receiving too many speeding tickets, you probably want to scream every time you open up your car insurance bill. However, you do not have to necessarily put up with these high rates forever. Here are seven helpful tips for getting better auto insurance rates:
Take a Defensive Driving Course
Even if you are way past your teenage years, you can still benefit from taking a defensive driving course. Taking one of these courses can reduce the number of points on your driver's license and teach you how to be a better driver. If your insurance company sees that you took the time to take a defensive driving course, they may consider lowering your car insurance rates.
Improve Your Credit Score
A bad credit score can haunt you in many ways. In addition to making it more difficult to get approved for loans, a poor credit score can increase your auto insurance costs. Insurance companies may think that having financial issues might increase risky behavior, according to Credit.com. Paying all your bills on time and making more than the minimum payment on your credit card bills can help improve your credit score. When your credit score is over 650, talk to your insurance company about lowering your rates.
Buy Anti-Theft Devices
Another effective way you can lower your auto insurance rates is to install anti-theft devices in your vehicle. For example, you can purchase a car alarm. If someone attempts to break into your vehicle, the alarm will go off. If you invest in anti-theft devices, your insurance company will realize you are doing everything you can to prevent theft and may reduce your premiums.
Be Careful About What Car You Buy
If you plan on buying a new car in the near future, it is important to consider how it may affect your insurance rates. For example, if you buy a sports car, you will likely have to pay quite a bit for auto insurance. Buying a more practical car may not be as exciting, but it can at least save you money.
Ask About Low Mileage Discounts
If you drive between 7,500 and 15,000 miles a year, you might be able to get a low mileage discount on your auto insurance premiums, according to DMV.org. The less you are on the road, the less likely you will get into an accident and your insurance company realizes that. The next time you have a meeting with your auto insurance agent, ask him if you qualify for a low mileage discount or not.
Always Park Your Car in the Garage
If you have a garage, you should definitely take advantage of it. Parking your car in the garage every day will lower the risk of it getting stolen, so your insurance company may offer you a discount on your premiums.
Seek Out Other Discounts
It is always a good idea to look for other discounts for car insurance. For example, certain professions, such as accountants, nurses and teachers, are considered stable and less likely to get into an accident. If you have one of these professions, you should ask your insurance agent about getting a discount. You can also ask about a discount if a teenage driver on your insurance received good grades.
It's possible to have affordable car insurance. If you follow these helpful tips, you can lower your auto insurance premiums and have more money leftover. Contact an insurance firm like Northeast Insurance Agency if you are interested in switching policies to lower your auto insurance premiums.