Car insurance can get expensive these days. If you are tired of paying high prices for your premiums every month, it is time to step up and do something about it. Luckily, if you make a few changes, it is possible to lower your rates and have more money in your pocket. Here are five helpful tips for reducing your car insurance rates:
Take a Defensive Driving Course
Defensive driving courses are not just useful for teen drivers. If you have too many points on your license, you could benefit from taking one of these courses. Once your insurance company sees that you are making an effort to improve your driving skills, they may be willing to lower your car insurance premiums.
Check Your Credit Score
A low credit score can negatively impact your life in many ways, including raising your car insurance rates. If you have a poor credit history, your insurance company may think you will be more likely to file more claims. If you work to lower your debt by paying more than the minimum on your credit cards, you can raise your credit score and qualify for better insurance rates.
Add Safety Features to Your Car
Another good way to lower your car insurance rates is to add safety features, such as a lane departure warning system or anti-lock brakes, to your vehicle. These features can reduce accidents and thefts, so your insurance company will see you as a lower risk.
Ask About Low Mileage Discounts
If you drive fewer miles than the average person, you may qualify for a low mileage discount. After all, the less you are on the road, the less likely you are to get into an accident. Ask your insurance agent if he can reduce your premiums for driving fewer miles.
Buy a Practical Vehicle
If it is time to buy a new vehicle, resist the urge to buy a fancy sports car. A sports vehicle might look impressive, but its big engine and higher risk of theft will result in higher insurance rates. Instead, purchase a more practical vehicle, like a minivan.
Do not let your car insurance bills break your budget. If you follow these helpful tips, you can lower your rates. However, if you are still not satisfied with how much you are spending on car insurance, ask your insurance agent about other discounts you may qualify for. Visit websites like http://www.unitedsecurityagency.com for more information.