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Auto insurance is mandatory in the state of Texas, so any way to save money on coverage will reduce your overall yearly vehicle costs. It isn't difficult to lower premiums; it just takes a bit of effort and dedication. Below are three effective ways to lower your auto insurance costs and save money this year.

How to Reduce Auto Insurance Premiums

1. Complete a Driver Safety Course

Depending on the insurer, you could save 10% or more on your yearly insurance costs by completing a defensive driving course. In these classes, you learn safe driving techniques, how to avoid distractions, and about local traffic laws. Along with saving money, they also lower your risk of an accident in the future and help you become an all-around better driver.

2. Improve Your Driving Record

Auto insurance in Stafford, TXMost insurers only consider past moving violations and traffic accidents for three years. As these unfortunate incidents drop off your record, your auto insurance premiums go down in response. If you can maintain a clean record for three or more years, you can qualify for a "safe driver" discount through many insurers. This discount varies by company, but it is often several hundred dollars per year.

3. Boost Your Credit Rating

One of the key factors that carriers use to determine auto insurance premiums is a driver's credit rating. They have found a correlation between responsible credit use and safe driving habits; by paying your bills on time, avoiding charge-offs and bankruptcies, and displaying other responsible credit behavior, you can often lower your insurance payments considerably compared to an identical driver with bad credit.

 

To discuss your auto insurance options with a friendly professional, contact JMS Insurance Agency in Stafford, TX. They've been serving clients throughout Fort Bend County for more than 20 years. Along with auto insurance, they also specialize in business, life, RV, and home insurance. Call them at (281) 494-1500 for assistance designing a policy or visit their website to request a quote.

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