10 - Encourage your teens to take drivers ed classes. Senior citizens can also benefit from defensive driving courses.
9 - Take advantage of discounts. For instance, some companies offer low-mileage discounts for cars driven less than 8000 miles a year.
8 - Find the right company. Some companies are friendlier to different classes of drivers than others are. If you have drivers under 21 or over 70, for instance, or if you have an at-fault accident on your record you need to shop around.
7 - Choose an independent agent who can choose from many companies and match you with the best – for you. No one company will always be the best option. Don't get stuck with a “captive” agent who only writes for one huge company.
6 - Pay your bills on time. Credit factors in to most auto insurance rating formulas.
5 - Bundle – most of the time. Sometimes you'll actually come out better having your home or renters insurance with a different company than your auto, especially in rural areas.
4 - Raise your liability limits. It may seem odd, but over the long term drivers who keep higher-than-minimum limits will end up with better rates.
3 - Raise those deductibles to find the perfect balance between coverage and price.
2 - Avoid parking lot accidents. Private property accidents are almost always considered your fault and can really hurt your rates, even if the damage and claim is minor.
1 - Drive a little slower! Simply avoiding speeding tickets keeps those dreaded points off of your record.
BONUS - Call or message us today to know that you are getting the best rates! Start your quote here.