Insurance companies calculate rates based on how likely they think you are to file a claim, and this is based on a wide variety of factors. Some of these, like crime rates in your area and typical weather patterns, might be out of your hands. However, there are several steps you can take to reduce your car insurance premiums without sacrificing coverage.

Proactive Ways to Make Your Auto Insurance Cheaper

1. Keep Your Driving Record Clean

According to insurers’ data, drivers who’ve been in an accident or have tickets on their records are more likely to cause a crash, so they charge more to cover the risk. In general, the longer you go without any driving incidents, the lower your premiums will be, so always follow the rules of the road and take extra care behind the wheel.

2. Take a Safe Driver Course

Many insurance companies offer discounts to customers who’ve taken an approved driver safety course, potentially saving you hundreds of dollars in the long run. Some states will even take points off of your license after completing the course, which can result in even lower premiums.

3. Consider Safer Models

Some vehicles have higher crash test ratings than others, while others might be more attractive to thieves. Before shopping for a new car, ask an agent how much the car insurance premiums will be. With all the options available today, you can often find an equivalent vehicle from another manufacturer that insurers consider less risky.

4. Raise Your Deductible

The deductible is how much you’ll have to pay for damages before your car insurance policy kicks in. Policies with higher deductibles usually have lower monthly premiums; just make sure you have the money available to cover your share if you do have to file a claim. Open a savings account just for automotive expenses and gain peace of mind as you save money on your car insurance.

5. Talk to an Agent

With online quote generators and smartphone apps, getting an insurance quote has never been easier. But how can you be sure the policies you’re looking at are right for you? An independent insurance agent has access to policies from several different companies and the professional expertise to help you find the right coverage at the best price possible.

Finding the right car insurance coverage can be difficult, especially if your driving history is less than perfect. The experts at Lafever Insurance Agency in Putnam County, TN, specialize in providing high-quality insurance to everyone, even those who might have trouble finding coverage elsewhere. Call (931) 526-3377 to request your free quote today.