A number of factors affect your auto insurance rates—starting with the age and value of the car. The newer and more expensive it is to repair or replace, the more it will cost to insure. However, other factors have an impact, as well. Below are some of the most effective ways to reduce your premiums without switching vehicles.

How to Lower Your Auto Insurance Payments

1. Practice Driving Safely

Many insurers offer discounts—sometimes up to 15%—for drivers who complete a defensive driving class. These courses often cost no more than $25 and can be completed online. You learn defensive driving techniques and receive a refresher course on state traffic laws. Additionally, most insurance companies offer "safe driver discounts" for people who have not had an accident or moving violation for three years.

2. Bundle Coverage

If you have multiple policies through different carriers, you can often reduce your payments by bundling them together. For instance, by purchasing your homeowners and auto insurance from the same company, you will likely pay less than if you purchase them separately.

3. Improve Your Credit Rating

Insurers have discovered a correlation between responsible credit use and responsible driving. Because of this, they often offer lower rates to people with a high credit score. If you pay all your bills on time, keep your credit card spending low, and otherwise guard your finances carefully, you can benefit by paying lower auto insurance rates.

To discuss effective and affordable coverage options for your car, contact Michael E Glick Insurance in Boerne, TX. He has been serving drivers throughout Kendall County for more than 25 years and can also help you design a business or life insurance policy. Visit his website to view these and other available products. Call (830) 816-9488 to request a quote, a no charge review of your current policies, or a consultation.