Every car insurance provider bases their quotes on a variety of factors, many of which you can't alter or change, at least not quickly. For instance, your previous driving record has a significant impact on your car insurance premiums, as do the crime and accident rates in the area in which you live. Fortunately, there are just as many factors you can control, some of which create opportunities for substantial savings.

For starters, you might be able to lower your auto insurance expenses by:

• Combining Policies: Do you own more than one car? A recreational vehicle, boat, and motorcycle? Is their coverage spread across more than one insurance company? If so, see about insuring them all under one policy, which will almost always be much cheaper. Many insurers also offer substantial discounts for bundling your auto coverage with your homeowner's or renter's insurance.
• Taking Defensive Driving Courses: Insurers often offer discounts to encourage drivers to make safety-conscious choices. Some insurers offer discounts to any driver who completes an approved defensive driving course, which may also help you avoid accidents in the future. In some states, completing these courses may allow you to remove points from your license, which could also result in lower premiums. Also, several of the larger insurance companies are offering lower rates for their customers who agree to place a driving monitor on their car and show a history of safe driving.
• Raising Your Deductible: Depending on the vehicle you drive, the deductible amount can have a tremendous impact on your premium. In some cases, raising the deductible to $1,000 from $500 can cut your premiums by over 25%, which results in significant savings over the long run even if you do have to pay the deductible.
• Using an Independent Insurance Agent: Independent agents typically maintain relationships with several different car insurance carriers, giving them a broader selection of products and companies from which to choose. Drawing on their extensive resources, these agents will usually be able to find a car insurance policy tailored to your needs at the lowest rate possible.

For several years, the insurance agents at Kleppinger Insurance, LLC have provided Bethlehem, Pennsylvania, drivers with personalized service, ensuring everyone has the coverage they need without overpaying. They've forged alliances with many of the industry's leaders, giving them access to an array of some of the best insurance policies on the market. Visit their Facebook page now to learn more about insurance, and call (484) 357-1485 or visit their website for a free, no-risk car or homeowners' insurance quote today.