Auto insurance is a necessary expense, but that doesn’t mean it has to be costly. When calculating premium prices, providers weigh a variety of variables, some of which are beyond your control. For instance, your age and even the local weather influences how much you’ll pay. Fortunately, there are steps you can take to reduce your costs without sacrificing coverage.

3 Ways to Cut Car Insurance Costs 

1. Take a Safe Driving Course

Many providers offer a substantial discount to drivers who finish an approved safe driving course. Along with saving money, these classes will keep your driving skills sharp and give you the tools to avoid accidents and auto insurance claims that can drive up premiums.

2. Shop Around for Rates

Each auto insurance company uses slightly different formulas for calculating premiums, which can result in pricing variations. When it’s time to renew your policy or buy a new car, compare prices from several different carriers before choosing a policy. An independent agent can do the shopping, potentially saving you hundreds of dollars each year.

3. Raise Your Deductible

The deductible is the amount you have to pay before the provider chips in for repairs. As a general rule, the higher the deductible on your policy is, the lower your monthly premiums will be. In general, choosing auto insurance coverage with a higher deductible can save thousands of dollars—just make sure you have the funds available to cover the cost of repairs if you’re involved in an accident.

Finding the right auto insurance policy can be confusing, but the friendly agents at Western States Insurance Group are committed to making the experience easy and stress-free. This office has a reputation throughout the Lovington, NM, area for providing first-class customer service, and they offer a wide range of insurance options. Visit their website for more on their products and services, follow their Twitter for more tips and advice, or call (575) 396-1318 to request a quote today.