The price you pay for auto insurance is impacted by a variety of factors. While some of these are beyond your control, such as age and gender, many others can be adjusted to allow for better premium rates. By mitigating the level of risk you present to insurance companies, you can get quality protection at a reduced cost. Here are some of the top ways to save money on coverage.

Tips for Lowering Auto Insurance Premiums

1. Maintain a Clean Driving Record

Drivers with a history of accidents and moving violations can expect to have a higher auto insurance premium because they are considered more of a liability. Being extra cautious when you’re behind the wheel and obeying all the traffic laws will help to keep your record clean and coverage rates low. If you already have a few marks on your record, taking a driver safety course may benefit your money-saving efforts.

2. Bundle Policies With the Same Insurer

Many insurance companies offer a discount when clients purchase more than one policy from them. If you are in need of home or life insurance, consider bundling them together to take advantage of the savings, as well as the streamlined billing and claims process.                  

3. Improve Your Credit Score 

It has become increasingly common for auto insurance companies to take credit scores into account when determining the price of a policy. In general, providers consider drivers to be less of a risk the higher their credit score is, further adding to the reasons to keep yours in good shape.

There are a number of strategies for cutting down the cost of auto insurance. To determine which ones will work for you, consult a professional at Sweeney Insurance Agency. Operating as an independent Allstate® agency, they have been providing the residents of Kodiak, AK, with reliable coverage from one of the nation’s top providers for more than 40 years. Call (907) 486-3101 to schedule an appointment or visit their website to request an insurance quote.