Your car insurance doesn't have to cost an arm and a leg. Even if you've shopped around, increased your deductible, and bundled your insurance policies, it’s still possible to lower your monthly premium. Learn how to save money by exploring these alternative ways to make your premiums go down.

How to Make Your Car Insurance Cheaper

1. Consider Your Car

Many people overlook their vehicle when trying to understand how much their car insurance costs. Cars that are expensive, prone to accidents, or likely to be stolen will cost significantly more to insure than comparable vehicles. If you're buying a new car, research which vehicles are the cheapest to insure. In some cases, it may even make financial sense to trade your vehicle in for one that would lower your insurance rates.

2. Do a Defensive Driving Class

Is your driving record causing your insurance premiums to go up? If so, you may be able to lower your monthly payment by taking a defensive driving class. Some of these courses can be completed online and at a reasonable price. Additionally, defensive driving can save you money in the long run, as you're less likely to get into an accident or get a speeding ticket.

3. Forgo Comprehensive Coverage

Comprehensive and collision coverage isn't legally required in most states. If your car isn't especially valuable or you have a lot of money in savings, it may make sense to go without some kinds of coverage. The usual rule of thumb says you shouldn't pay more than 10% of the value of your vehicle per year in optional car insurance.

Are you looking for reliable, affordable car insurance? Contact P.D.H Insurance Brokerage, Inc. in Valley Stream, NY to speak to one of their professional agents and find a policy that meets all your needs. For over 30 years, this insurance broker has been providing customers throughout Nassau County with high-quality policies at competitive rates. Call (516) 561-5227 to get a quote or visit their website to learn more about their services.