While auto insurance is essential, that doesn’t mean you have to pay a lot for an excellent policy. There are many ways drivers can lower the cost, including the following examples. 

How Can You Reduce Your Auto Insurance Costs?

1. Take a Defensive Driving Course

Defensive driving tactics increase your situational awareness. That’s why all motorists, regardless of their skill and experience, are encouraged to adopt them. Some insurance companies even offer discounted rates for the courses, which help lower premiums.

2. Consider a Higher Deductible

When filing a claim, policyholders must pay a deductible before insurance coverage becomes active. When these are higher, premiums are lower. However, if there’s an accident, you have to satisfy the higher deductible before the insurance company pays. If you can’t, you won’t be able to access any insurance funds. 

3. Focus on Vehicle Safety

Some cars, such as sports cars or large SUVs, are associated with higher insurance risk. Conversely, smaller vehicles with the latest safety features tend to be less costly to insure, which makes them the smarter bargain. Keep this in mind when car shopping. 

4. Buy More Than One Type of Insurance

When you bundle insurance products, you may get lower rates. For example, many companies offer discounts to an employees who buy their auto, home, and life insurance policy from the same place. You may also qualify for a discount for insuring more than one vehicle or driver at once. 

5. Improve Your Driving Record

Multiple driving transgressions can increase insurance costs. Even minor fender benders can add up, so take precautions like obeying traffic signs and speed limits, as well as being aware of other vehicles. 

If you want a reliable, affordable auto insurance policy, Kelley Agency can help. They’re lead by owner Dan Kelley, and the team has served the residents of Lorain, OH, since 1960. They also offer home, health, and business insurance to save you money with bundling. Call (440) 282-8898 to schedule an appointment.