Knowing that you have auto insurance in place every time you get behind the wheel offers peace of mind against the unexpected. What’s even better is securing affordable coverage that won’t bust your budget. Several factors can influence what your premiums will be. The guide below discusses some of them and what you can do to lower your rates.

4 Factors That Can Lower Your Auto Insurance Rates

1. Credit Score

A higher credit score can potentially mean reduced premiums. Most auto insurance providers review this three-digit figure to determine how diligent you’ve been with managing your debt. To help improve your credit score, make on-time payments on credit card and loan obligations. Commit to paying off card balances in full each month, too.

2. Driving Record

A track record free of traffic tickets and other violations looks very favorable to auto insurance companies. Reckless driving signals a higher possibility of being involved in an accident. Some insurance providers could charge you more for coverage if they view your driving record as a liability. Avoid getting traffic fines, obey speed limits, and drive defensively to prevent accidents. These steps may help you get reduced premiums.

3. Vehicle Type

Driving certain cars and trucks can also have an impact on what you pay for coverage. For instance, sports cars and other vehicles are known for high speed are more likely to be involved in accidents. As a result, some providers may charge more for car insurance. There are also certain mini-vans and sedans that have better safety records, which can result in lower rates for you. Before buying a vehicle, research their safety ratings on the Insurance Institute for Highway Safety’s website.

4. Travel Miles

How far you drive each day to work and around town could affect your premiums. The more you drive, the greater the chance of being involved in an accident. Auto insurance providers consider estimated annual mileage rates when determining coverage costs. If it’s financially possible, consider moving closer to your job to shorten your commute. Or, if public transportation is reliable in your area, take advantage of it to limit the daily use of your vehicle.

Since 1977, Taake Insurance Agency in Columbia, IL, has helped drivers secure customized and affordable coverage. The team of experienced and friendly agents at this independent firm shop for the best rates and terms at some of the nation’s leading auto insurance carriers. If you’re in the market for new coverage, call (618) 281-7656 for a free, no-obligation insurance quote. You can also request one online, where you’ll also find details about other policy options.