Most states legally require car insurance, which means if you want the freedom and convenience of driving, you must maintain coverage. However, it doesn’t have to take up a substantial portion of your monthly budget. Companies calculate premiums using many different variables, giving policyholders more control over their rates than you may realize. Below are a few actions you can take to lower your bill.

How to Save on Car Insurance Premiums

1. Engage in Safe Driving Habits

The most significant factor insurers consider when deciding how much you should pay is your driving history. Moving violations and at-fault accidents can increase your coverage costs significantly. For this reason, keeping your record clean is essential.

Refrain from driving distracted, speeding, following too closely, or making unsafe lane changes. Taking a defensive driving course will give you tips on avoiding dangerous situations, and you may get a policy discount for attending.

2. Inquire About Price Reductions 

Many people aren’t aware of all the discounts car insurance companies offer. While they vary between providers, there are many price reductions available depending on your specific situation.

For example, you may save money by keeping a high credit score, bundling multiple policies with one insurer, raising your deductible, maintaining low mileage, and installing safety features. Generally, the best way to determine what you qualify for is to ask your agent.

3. Purchase a Low-Risk Vehicle 

If you’re looking for a new vehicle, consider your insurance costs while shopping. The car you drive helps determine your premium. Typically, it costs more to insure vehicles that have a poor safety record, require expensive repairs, and are common targets for thieves. As such, save on your policy by choosing a car with excellent safety and reliability ratings, less horsepower, and anti-theft devices.

When you’re ready to review your current policy, contact Hummel & Plum Insurance Agency in Chillicothe, OH. They’re committed to helping drivers find the best price on car insurance without compromising the quality of their coverage. For more than a century, they’ve been proudly providing clients with customized solutions that offer financial protection and peace of mind. Call (740) 773-1620 to set up an appointment, or visit them online to learn more about their insurance options.