If you’re in an accident, your car insurance policy could be what stands between you and a real financial disaster. As crucial as this policy is, though, no one wants to pay more than they have to for the coverage they need. While many of the factors that influence auto insurance rates are outside your control, the guide below outlines steps for bringing your premiums down.

3 Ways to Make Car Insurance More Affordable

1. Keep Your Driving Record Clean

Insurance companies assume that drivers with accidents or tickets on their records are more likely to file a claim in the future, so they charge higher prices to cover the added risk. Driving carefully and obeying the rules of the road will not only prevent accidents and unnecessary traffic stops, but it can also save you hundreds of dollars on insurance every year.

2. Take a Safe Driver Course

Most car insurance companies offer substantial discounts to customers who’ve completed an approved driver safety course. Some states will also take points off your license for finishing the course, which may result in additional savings. Furthermore, you’ll learn valuable defensive driving skills that can help you prevent an accident in the first place.

3. Bundle Policies

Many of the leading insurance companies also give significant discounts to customers who purchase multiple policies. For instance, combining your homeowners insurance and auto coverage shaves an average of 16% off your insurance premiums.
 

The road is a dangerous place, but Brent Layton with Farmers® Insurance Group is committed to ensuring clients have the coverage they need at the best price possible. With policies from one of the leading carriers in the country and over 25 years of experience, he’s one of Tremonton, UT’s most trusted insurance agents. Visit him online now to request a free car insurance quote. You can also send him an email or call (435) 257-3829 with any questions.