Several factors affect auto insurance rates, many of which are outside policyholders’ control. While you can’t do anything about the frequency of accidents and thefts in your city, there are some ways to lower costs without sacrificing coverage. Below are a few tips for getting the best price on your auto insurance policy.

4 Tips for Lower Auto Insurance Costs

1. Talk to an Insurance Agent

Online quote tools make getting insurance estimates easier than ever, but are the policies they recommend the best for you? Independent agents work with several carriers, so they can comparison shop and present options tailored to your needs.

2. Practice Safe Driving

Your driving record has a massive impact on your premiums, since insurers assume drivers who’ve been cited are more likely to file claims. Just one speeding ticket can result in a rate hike, so always stay safe and practice defensive driving. If you do commit a traffic violation, ask your insurer if they offer a discount for completing a safe driver course.

4. Bundle Your Policies

Many insurance companies offer substantial discounts to customers who purchase multiple policies. Ask an insurance agent whether you can save money by bundling auto insurance and homeowner’s or renter’s policies.

With more than 30 years’ experience and relationships with some of the top carriers in the nation, Rio Grande Insurance in Espanola, NM, will secure the coverage you need while identifying discounts that keep your premiums affordable. Their team takes the time to understand each client’s needs and offer the ideal coverage for their situation. Visit their website or call (505) 753-2151 to request an auto insurance quote today, and follow their Facebook for regular tips and updates