If you are looking for a new car insurance policy, you may want to get in touch with a car insurance agent. An agent can help you find the right policy for your needs and budget. With that being said, here are several ways that you can save money on your car insurance premiums.
Improve Your Credit Score
Your credit score is one of the factors insurance companies look at before deciding what to charge you for car insurance. Insurers believe that people with higher credit scores are less likely to file claims. If your credit score is not so hot right now, do not fret. You can take certain steps to raise it, such as paying more than the minimum on your credit cards bills every month and keeping your credit utilization at less than 30 percent.
Take a Defensive Driving Course
If you have several points on your driving record, you may notice that your car insurance rates are more expensive. This is because drivers with a lot of points on their record tend to get in accidents more frequently. The good news is that you may be able to take a defensive driving course and remove some of those points. If you show your car insurance company that you have successfully completed this course, you may get a discount on your premiums.
Ask About Discounts
There is absolutely no shame in asking your car insurance agent about the discounts you’re entitled to. For example, if you are an army veteran, you could receive a discount for that. You may also score a discount for being a good driver, installing anti-theft devices in your vehicle, and paying your annual premium in a single payment.
Reduce Coverage on Older Vehicles
If you have an older vehicle that is not worth much, it may not be worth the cost to have comprehensive collision coverage. You may consider dropping down to just liability coverage.
Use Public Transportation
If public transportation is available in your area, you may want to think about using it occasionally to get to work and other important places. This will allow you to decrease the mileage on your vehicle, which may help you get a discount on your car insurance.
Schedule a meeting with a car insurance agent today to discuss your insurance options.