If you think you're paying too much for your auto insurance, it's time to take action. Many people get quoted a rate and then leave it at that. But, that's not the best way to get a good rate on car insurance. If you haven't done anything to get yourself a better rate on your car insurance, it's time to make some changes. Here are four steps you can take on your own to reduce your car insurance rates.
Reduce Your Risk Factors
If you have some risky habits, you can expect to pay more for your car insurance. This is especially true if you've received multiple traffic violations. If that's the case, a defensive driving class can help get you back on track. If you're a good driver, there are still ways for you to reduce your risk factor. First, park your car in the garage at night. This reduces your risk for theft or vandalism claims. Second, avoid parking in tight spaces. This reduces your risk of damage claims. Anything you do to reduce your risk for an insurance claim can help to reduce your rates.
Insure More Than One Car
If you have multiple drivers in your home, and all the cars are on different policies, you may all be paying too much for insurance. Talk to your family members about bundling your car insurance policies. Insuring more than one car can reduce your premiums by quite a bit. But, make sure that the family members you bundle together live under the same roof.
Limit the Miles You Drive
If you do a lot of driving, you're going to pay more for your car insurance. One way to reduce the high-mileage rates for your car insurance is to change the way to get around town. Most auto insurance companies offer discounts when you limit the number of miles you drive each year. Instead of using your car for all of your transportation needs, mix things up a bit. If you work close to home, take a bike or mass transit instead. Or, see if you can ride-share with a coworker. You can also use a bike or mass transit for your shopping needs. If you work too far away from home to bike or to take mass transit, limit those uses to your shopping travel.
Show Off Your Driving
Finally, if you want to save money on your car insurance rates, show off your driving skills. Many car insurance companies offer apps that track driving habits. When you choose one of those companies, they'll install a device in your car that lets them see how well you drive. Your rates are adjusted each month to correlate with your driving habits. The safer you drive, the lower your car insurance rates go.
For more tips, reach out to a company like Kesner Insurance Agency Inc.