In almost every state, you must meet certain auto insurance requirements to operate a car legally. However, having coverage is not only important for keeping you in compliance with the law. As long as you are adequately insured, your policy will also help you avoid significant financial losses in the event of an accident or theft. For this reason, you don’t want to make the mistake of cutting corners on your coverage in an attempt to make your monthly expenses more manageable. There are several ways to reduce your rates and still maintain the level of protection you need. Here are a few tips for securing a lower premium.

How to Save on Car Insurance

1. Bundle Your Policies 

Most insurers extend savings to policyholders who purchase more than one type of coverage from them. Thus, if you need homeowners, renters, or life insurance in addition to your auto insurance, bundle your policies. You might also qualify for a discount if you insure multiple vehicles with the same provider.

2. Drive Safely 

Insurance companies take numerous factors into account when calculating policy rates, but your driving record will have the biggest influence over how much you pay. Safe drivers are generally rewarded with lower premiums than motorists who have a history of accidents and traffic citations. As such, it’s essential to maintain a clean record.

3. Increase Your Deductible 

A deductible is the amount you’re responsible for paying out of pocket before your insurance will kick in to help repair your vehicle after it’s been damaged. As long as you can afford the higher amount, one of the easiest steps you can take to decrease your premium is to raise your policy deductible. 

4. Ask Your Agent About Discounts

Though they can vary from one carrier to the next, many insurance companies offer a variety of ways to cut coverage costs. Typically, you can save by taking a driver’s safety course, paying for your policy in full, installing an anti-theft device, signing up for automatic payments, and working in certain professions. To make sure you’re getting all the discounts you’re entitled to, ask your agent what’s available.

If you are looking for quality and affordable auto insurance, contact the professionals at Kalita Agency. They will thoroughly assess your unique coverage needs and use their industry experience to assist you in customizing a policy that offers sufficient protection. As an independent agency, they have been able to help numerous residents across Litchfield County, CT, find the most cost-effective insurance solutions through their network of reputable providers. Call (860) 274-8882 to schedule an appointment, or visit them online to request a quote.