Auto insurance providers base premiums on a variety of factors, including the condition of the vehicle being insured, a customer’s personal driving history, and their age. Because young drivers account for a disproportionate share of auto accidents, most people will have to pay more for coverage, at least until you turn 25. While you might not be able to avoid high premiums entirely, there are some steps you can take to reduce your costs without sacrificing coverage.

4 Ways to Save on Auto Insurance Costs

1. Check Rates Before Buying a Car

Insurance premiums can vary widely from one car to the next, even if the vehicles seem similar. If you’re in the market for a new car, ask for auto insurance quotes before making your final decision. In the long run, this could save you thousands of dollars in premiums.

2. Take a Driver Safety Course

Most auto insurance companies offer a discount for drivers who’ve successfully completed an approved driver safety course. In addition to lowering your premiums, these courses will help you build the skills to avoid accidents and the rate hikes that usually follow.

3. Ask About Discounts

Most insurance companies offer discounts for everything from maintaining good grades to bundling several policies together. However, you usually won’t get these rate reductions unless you request them. Ask an agent whether you qualify for any discounts and inquire about your policy bundling options.

4. Shop Around for Quotes

Many young people simply choose the least expensive insurance or just go with the carrier their parents use. Because insurers use different formulas for calculating rates, comparing policies from several carriers could dramatically lower your coverage costs.

At Farmers Insurance Group, we proudly offer auto insurance policies backed by one of the nation’s leading carriers. We’ve served Mountain Grove, MO, drivers for over 15 years, providing high-quality coverage and personal service at some of the best prices in the industry. Visit us online to read customer reviews, call (417) 926-7900 to request your free quote, and follow us on Twitter for more insurance tips and advice.