It’s no secret that being a low-risk driver will earn you the best auto insurance rates. Insurers reward those who are less likely to file claims; thus, if you’ve received multiple traffic violations, been cited for driving under the influence, or caused multiple accidents, there’s a good chance you will need high-risk coverage. Fortunately, the insurance agents at Ohio Insurance Center Agency in Cincinnati, OH, know of several measures drivers can take to reduce their premiums. Below, they suggest a few ways to lower the price you pay for a high-risk policy.
Maintain a Clean Driving Record
One of the most effective strategies for saving money on auto insurance is to improve your driving record. The longer you go without incurring additional moving violations, the sooner you will be able to reduce your premium. This means it’s crucial to obey all traffic laws when you’re behind the wheel and refrain from exhibiting behaviors that could cause an accident.
Consider Driving a Different Vehicle
Another way to cut down on auto insurance costs is to pay close attention to the vehicle you’re driving. Cars with better safety ratings, more safety features, and reasonable price tags typically cost less to insure. Higher premiums are usually given to drivers of luxurious vehicles that are expensive to repair and those who own models that are consistently reported stolen. Additionally, high-performance cars can encourage reckless behavior, leading insurance providers to charge increased rates for these vehicles. If you’ve been deemed a high-risk driver, you may consider looking for a car that does not encourage this behavior.
Take a Driver’s Safety Course
Taking measures to improve your driving can also decrease your premium payments. A variety of driver’s safety courses focus on defensive driving, road rage, and general tips. Even if you’re a seasoned driver, taking one of these classes can benefit you as it will help show your insurance provider that you’re committed to being a better driver.
High-risk auto insurance could end up costing you quite a bit if you don’t take the proper steps to lower your premium. If you’ve been classified as a high-risk driver, an experienced agent from Ohio Insurance Center Agency can help you explore all your coverage options to find the most affordable rates. Contact them at (513) 522-6300, or visit their website to request a free insurance quote.