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Auto insurance provides you with financial protection in the event of an accident or theft. Each month, you pay a premium to your insurance company in exchange for the agreed-upon coverage. If this monthly payment is pricier than you'd like it to be, try the following tips. 

How to Decrease Auto Insurance Premiums

1. Choose a Car With Safety Features

Modern cars come with a range of built-in safety features that decrease the chance of getting into an accident. For example, blind-spot detectors keep you informed about approaching vehicles and prevent you from changing lanes at an unsafe moment.

Other safety features may include rearview cameras and parking sensors, which can often be added to older cars. These safety upgrades will reduce your risk as a driver and customer, potentially lowering your premium.

2. Drive Defensively

auto insuranceAn unflattering driving record can increase premiums because it indicates a higher risk. Driving defensively and avoiding marks on your record will keep your premium low.

To reduce the risk of a collision, keep at least a three-second distance from the car in front of you. Add another two seconds in adverse weather conditions. You should also put away your smartphone and any other distractions while you're driving.

3. Improve Your Credit Score

Insurers will often look at your credit score for evidence that you're a responsible person. Those who make credit card payments on time may be more likely to pay premiums on time. Further, this sense of responsibility may extend to your driving habits.

If your credit is poor, improving it will help you qualify for a lower premium. To increase your score, pay your bills on time and lower your credit utilization ratio. Wait for a significant change before you consult your agent; getting your score to 700 and above will ensure a decrease in monthly payments.

 

For quality auto insurance from a trusted team, go to JMS Insurance Agency in Stafford, TX. They offer clients throughout Fort Bend, Harris, and Montgomery counties with affordable coverage options that bring them peace of mind. In addition to auto insurance, they offer home and business coverage. They work with the nation's leading providers to ensure customer satisfaction. Call (281) 494-1500 to ensure a safer road ahead. Read more about their policies online.

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