4 Tips For Lowering Your Car Insurance

Posted on: 22 March 2017

Car insurance is one of those things people know they have to pay for every month but are not always so happy about it. If your car insurance premiums become very expensive, you may even dread paying them. There are many different factors that can cause your car insurance rates to go up, such as speeding tickets and a low credit score. If you are willing to make some changes, it's possible to have more affordable insurance. Here are five helpful tips for lowering your car insurance:

Improve Your Credit Score

It turns out that a low credit score does more than affect your ability to get loans. A poor credit history can also make your car insurance rates more expensive. This is because insurance companies believe people with low credit scores are more likely to make insurance claims. With time, however, you can raise your credit score. Make sure to pay all your bills on time and start paying your debt down.

Take a Defensive Driving Course

If you have too many traffic violations on your driving record, it could raise your insurance rates. One way to fix this issue is to take a defensive driving course. Your insurance company may think that you are making a true effort to become a better driver and decide to lower your insurance rates.

Consider Carpooling

Another way you can reduce your car insurance rates is to carpool to work. This way, you will be driving your car less often on the road. The less you drive, the less likely you are to get into a car crash. Ask some coworkers who live nearby your home if they would be interested in carpooling with you to the office.

Consider New Car Purchases Carefully

When it is time to buy a new car, it is important to consider how much it will cost to insure every month. Sports cars and other vehicles with big engines cost more to insure than your average vehicle. While a new BMW might impress your friends, it might cost you a lot in insurance. If you want to save on auto insurance, it is best to buy a practical car, such as a mini-van.

If you follow these useful tips, your car insurance does not have to cost a fortune. Also, don't hesitate to talk to your insurance agent about other discounts you may qualify for. Contact a company like United Insurance Agency Inc to learn more.