Everyone pays a unique rate for their auto insurance. Rates are calculated based on the type of vehicle you drive, what you use it for, and your own driver history. If you are interested in lowering your rates, there are some factors that you can control. Ask your insurance agent if any of the strategies below will earn you a better monthly premium.

How to Make Your Auto Insurance More Affordable

1. Take a Defensive Driving Course

If you have a history of getting in accidents or receiving tickets, your insurance agency will list you as a higher risk driver. This risk level will be reflected in higher monthly premiums.

Sign up for a defensive driving course offered by or approved by your insurance provider to bring your rates back down. These relatively low-cost courses don’t take up much of a time commitment and can also teach you effective measures to developing safer driving habits. 

2. Ask About Discounts

Insurance providers offer a wide range of discounts to their customers, and you may already unknowingly qualify for one. Seemingly unrelated factors can impact your “risk” as a driver. For example, drivers with better credit have been found to file fewer insurance claims, giving them lower monthly payments.

Look out for discounts that are applied for good credit scores, low vehicle mileage, multiple cars, and certain occupations, such as discounts for military members. There are often discounts available for students who receive good grades and for ones away at school. Your car may also apply for discounts if it has certain safety features, such as a backup camera or an anti-theft device.

3. Bundle Your Policies

Bundling your insurance policies is an easy way to save. You can expect a discount on all your policies if you get them through the same provider. Switch your auto, renters, business, or home insurance policies to the same provider. If you have multiple cars in your family, get a reduced rate by putting all the vehicles on the same policy.

Quinten White at State Farm® Insurance will help you find the right auto insurance policy for you and your family. He’s services Omaha, NE, and the surrounding area, providing residents with customized and affordable policy rates. Quinten and his team create policies with a wide range of personalized discounts to keep your monthly payments as low as possible. Connect on Facebook for the latest information, and call (402) 885-8569 for a free quote.