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One of the primary costs of operating a motor vehicle is car insurance. It can often be expensive, but there are ways to lower your premiums. Below, Cundiff & Company Insurance, a trusted and experienced agency in Somerset, KY, explains how they help their customers pay less for coverage. The information below should help you lower your auto insurance payments.

3 Ways to Lower Your Car Insurance Premiums

1. Complete an Auto Safety Class

Kentucky is one of 34 states that require insurance companies to provide discounts to drivers who complete a defensive driving safety class.  Classes are offered in person and online. They help you improve your skills and refresh your knowledge of highway laws to make you a better overall driver, decreasing your chance of an accident.

2. Improve Your Credit Rating

Car insuranceInsurers have found a correlation between responsible financial decision-making and safe driving habits. Because of this, your credit report is one of several criteria they use to calculate your car insurance premium. The better your credit rating is, the less you pay for insurance. To lower your rates, you should pay all your bills on time, avoid delinquencies, and keep your credit rating high.

3. Get Good Grades

Insurers offer discounts for a variety of behaviors, including installing safety equipment and anti-theft systems in your car. They also offer discounts to students who get good grades. This is particularly beneficial for young people, who typically pay more for coverage because of their driving inexperience. Ask your agent about good student discounts and find out what type of grades are required to qualify.

The cost of car insurance varies based on your characteristics and driving record, but it also varies by insurer. To see if switching companies can lower your insurance premium, contact Cundiff & Company Insurance in Somerset, KY.  They've been serving Pulaski County businesses and residents for more than 40 years and have a record of terrific customer service with a hometown touch. Visit their website to view their hours, or call (606) 679-8379 to request an auto insurance quote.

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