Comprehensive auto insurance coverage is important for protecting your vehicle and driving safely and legally. However, the premiums can put a major burden on your bank account. If you’re looking to save money without sacrificing essential coverage, just a few tips can make your premium more manageable. 

How to Make Your Auto Insurance Premium More Affordable

1. Combine It With Other Insurance Policies

If you have multiple drivers in your home, combine those policies together to take advantage of multi-policy discounts. Depending on what your insurance company offers, you may even be able to combine your auto insurance with other types of insurance like home or business.

2. Ask Your Insurer About Discounts

Many insurers offer an array of other discounts as well. For instance, you may be able to save on insuring a teen driver if they get good grades, or if anyone in your family takes a defensive driving course. Ask your insurance company for specific offerings so you can take advantage of them.

3. Improve Your Credit Score

Insurance companies often run drivers’ credit scores when determining rates. The idea is that those who are financially responsible are also likely to be responsible on the road. Improving your credit can be a lengthy process, but try to pay all bills on time and pay down any debt so you can improve your rating, and thus lower your premiums.

4. Reduce Annual Mileage

Insurance rates take mileage estimates into account. The more you drive each year, the higher the chance of you encountering some kind of incident. So if you’re able to reduce your mileage by biking to work or taking public transit on the weekends, let your insurance company know.

5. Choose Your Vehicle Carefully

If you’re in the market for a new vehicle, keep insurance rates in mind while you shop. The type of vehicle you select can make a big difference on your rates; a sports car is going to cost significantly more than a modest SUV. You can also check in with your insurance provider for an estimate so you can factor those costs into your decision.

If you’re looking for an auto insurance company to provide you with competitive rates, call the agents at Pella Mutual Insurance Company in Marion, WI. The company provides a wide array of policies, from homeowners and rental insurance to business and farm insurance. Agents serve customers throughout Wisconsin and have a reputation for providing exceptional customer service. In business since 1876, the company has strong ties to the community and will walk you through all of your options and help you feel confident with your coverage decisions. Call (715) 754-5039 to discuss your options or find an agent online.