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How Do I Lower My Auto Insurance Rates?

There are many factors that go into determining your auto insurance rates, therefore there are many chances to lower your rates.

If you change jobs and the distance you drive to work changes or if you start to work from home, you should contact your insurance company since your premium is based in part on the number of miles you drive each day.

If you have a teen driver and they go to school over 100 miles away and don't take a car with them you should be able to get a discount as they are less likely to be driving while covered by your policy.

If you get married and are in your teens or twenties call your insurance company and see about combining your policies. Many times there is a large discount for married couples.

Take defensive driving classes. Most insurance companies offer discounts when you complete a certified defensive driving course.

Increase your comprehensive and collision deductibles to save money. Calculate how much you save versus how much you will pay if a claim is filed. For example, if you go from $500 to a $1000 deductible and it lowers your insurance $50 per 6 months then it saves you $100 a year. It will take you 5 years to break even before you will save more than you will pay out in event of a claim.

The easiest way to save $200-$500 or more a year is to shop online for your auto insurance. The auto insurance industry is very competitive and the internet insurance companies are very competitive as they have limited overhead while providing excellent customer service.

Find out how much money you can save today by completing your free online quote above.

Please note that this description/explanation is intended only as a guideline. Contact your licensed agent for more information.

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