Contrary to what many believe, quality car insurance doesn’t have to cost a great deal of money. According to the professionals at Aaron Insurance Agency, there are several ways you can secure significant savings on your coverage and remain adequately protected. For more than 15 years, they have been helping the residents of Dothan, AL, find high-caliber products at competitive rates from some of the industry’s most reliable providers. Below, they go over a few ways to reduce your car insurance rates.
How to Lower Your Car Insurance Premium
1. Maintain a Clean Driving Record
While moving violations and at-fault accidents are likely to have a negative impact on the price of car insurance, a clean driving record will have the opposite effect. If you prove yourself to be a safe driver, there’s a good chance you will be rewarded with reduced rates.
2. Set a Higher Deductible
Every car insurance policy has a deductible that the insured is responsible for paying out of pocket if they need to file a claim. Setting your deductible higher will lower your premium, but it’s essential to ensure it’s an amount you can afford if you have an accident.
3. Bundle Your Policies
Bundling more than one insurance policy with the same provider can earn you considerable savings. Purchasing coverage for your car, home, life, and recreational vehicles from the same insurer will typically give you the opportunity to receive a multipolicy discount.
4. Improve Your Credit Score
It’s not uncommon for insurance providers to use credit information to help assess the risk of drivers. They generally view those with good credit scores as less likely to file a claim and offer them a discounted premium as a result. Thus, it’s vital to keep your credit rating as high as possible.
5. Ask Your Agent About Other Discounts
Many insurance companies offer discounts to those who are eligible. Though it varies from provider to provider, you might be able to get a discount for having safety features on your vehicle, taking a driver’s safety course, or driving a low number of miles. Your agent will be able to tell you what you qualify for.
It’s also important to review your policy annually to make sure you’re getting the best deal possible on your car insurance. Rates are constantly changing, which means there is always a potential for you to receive a better quote than what you’re currently paying for coverage. Aaron Insurance Agency will make the shopping process much easier by helping you carefully evaluate your needs and compare rates from different providers. Call them today at (334) 712-0777 or visit their website to request a quote.