With car loan payments, fuel and maintenance expenses, and auto insurance premiums, it costs a considerable amount of money to operate a vehicle. Though you shouldn’t skimp on car insurance coverage, Harold D. Miller Insurance Agency in Greenup and Ashland, KY, says there are ways to lower your premiums. Since 1958, this independent agency has been helping motorists throughout the region get the home, life, boat, motorcycle, and umbrella policies they need at affordable prices.
3 Tips to Lower Your Auto Insurance Premiums
1. Maintain a Spotless Driving Record
The factor that affects the cost of your auto insurance premium most is your driving history. If you've been involved in accidents or cited for moving violations, you will pay significantly more for your policy than you would if you had a clean driving record. To save money, follow the speed limit, pay attention to traffic signals, and drive defensively.
2. Improve Your Credit Rating
Your credit rating affects your insurance costs because providers have discovered people who are careless about their credit frequently are irresponsible in their driving habits. Because they tend to file more claims, people with a bad credit rating pay more for auto insurance. To reduce your premiums, be diligent about making bill and loan payments on time.
3. Ask About Discounts
You can save money if you qualify for discounts on your policies. Insurance agencies often offer reduced pricing for people who bundle an auto insurance policy with a boat, RV, or home policy. Other discounts apply to motorists who complete a driver safety course or install an antitheft device on their vehicle. If your car has airbags, traction control, antilock brakes, or other safety features, you also might qualify for a discount.
Harold D. Miller Insurance Agency in Greenup and Ashland, KY, offers invaluable advice and exceptional customer care to help you find the coverage you need at a price that won't break your budget. To learn more about their products and providers, visit their website. To speak with an insurance agent, call (606) 473-6211 in Greenup or (606) 324-1295 in Ashland.