Oh, the perils of car ownership: parking tickets, repair bills, and auto insurance premiums. The good news is that we can try to be more observant parkers, maintain our vehicles better, and get lower rates on car insurance. Here are a few ways to do that.

Lower Your Car Insurance Premiums

1. Get Quotes

Get at least three quotes from different insurance companies before settling on one. Remember that it’s not just about the premium; other factors can add up to savings (or bigger expenses) later. Talk to an insurance agent about what’s offered with each plan. Compare the plans and choose the most affordable option that will still cover you in the event of an accident.

2. Pick a Higher Deductible

You must be careful with deductibles, because it always seems like a good idea to pick a higher one until you have to pay it out of pocket. However, higher deductibles mean lower premiums. If that’s your goal, then ask your agent about bumping that deductible up a few hundred dollars.

3. Lower Coverage on Older Cars

Insuring multiple cars can be expensive, and you probably don’t need full coverage on the older models. They are likely not worth as much as your newer car, so you can save money every month by dropping the collision or comprehensive coverage on the older models.

4. Bundle Up

Your insurance company would be more than happy to bundle your auto and homeowner’s insurance together. You’ll save money, and the longer you’re with the company, the lower your rates can get. This goes for renter’s insurance, too.

5. Ask About Discounts

Ask your insurance agent about any available discounts. There could be discounts for low mileage, insuring multiple drivers, and driving electric cars and hybrids. It also pays to be safe, so be the safest driver on the road if you really want discounted insurance.

The team of licensed and professional agents at Stidham Insurance Agency in Dumas, TX, has helped drivers throughout Moore County and the Texas panhandle with affordable auto insurance since 1969. Through partnerships with several leading auto insurance providers, they offer customized protection. They also offer crop and agriculture insurance. For a car insurance quote, call (806) 935-6888 or request one online.