Auto insurance coverage is a necessary expense for drivers in most states. In New York, you must carry liability coverage before you are even allowed to register a vehicle. Luckily, car insurance doesn't have to be a major financial burden. Here are a few tips for reducing your premiums.

How to Reduce Auto Insurance Rates

1. Use a Single Insurer

When shopping for car coverage, first turn to the agency that insures your other assets, such as your home, farm, or businesses. Many providers offer discounts for bundled plans to encourage people to use them for all of their needs. Also, you'll have the convenience of only having to pay a single premium for multiple types of coverage.

2. Expand Your Driving Knowledge

If you have driving violations on your record, your auto insurance premiums have likely spiked. Look into taking driver's education classes in order to bring your coverage costs down. 

Many insurers offer discounts for drivers who successfully complete a training course. Even New York drivers with no violations can still take online driver's ed courses to receive such discounts. Once you’ve completed an approved course, you’ll receive 10% off your base rate for liability, no-fault, and collision premiums.

3. Be a Model Driver

Every time you get behind the wheel, make a commitment to driving safely. Wear a seatbelt, follow all traffic laws, and don’t drive while intoxicated. Not only will this help you avoid claims, but many insurance companies also offer discounts for responsible drivers. Years without a traffic violation may result in savings.

Comprehensive auto insurance protects you, your passengers, and everyone else on the roads. Mazzola Insurance has coverage packages that suit a range of needs and budgets. Serving the Rochester, NY, area, they offer traffic ticket forgiveness, bundling discounts, and driver training to help you save on your policy. Get an auto quote on their website or call (585) 266-7130 to schedule an appointment.