Tips For Keeping Your Car Insurance Rates Low

When scanning the market for auto insurance, it can be tempting to reduce your rates by choosing lower amounts of coverage or by raising deductibles. They are the two most evident factors that influence the cost of your car insurance. You may not realize it, but your overall rate is also affected by many more different factors. Some of them you can control. Knowing what affects your rate can help you make a more informed decision when purchasing insurance. Read our blog to find out how to keep your car insurance rates low and get car insurance rate quotes.

Credit score has recently become one of the most influential factors in determining car insurance rates. If you have a less than excellent credit score, the insurance company will ask you to pay more.  So maintaining a good credit score is a must, if you want good rates and this is one of the factors you can control.

Having a spotless driving history is another desirable thing and a factor you can control. Companies will trust more the people who do not have a history of speeding, illegal parking or other felonies.  Being caught with DUI or causing an accident will greatly increase the auto insurance cost and will even make the insurer think twice whether to renew the policy or not.

The payment method is another factor you can control and can help you get a discount.  Many insurers will provide a discount or even lower the rates a bit if you pay in full or automate your payments. Marital status is another factor the influences rates and married people pay less than unmarried ones. But we can hardly say that this is a factor under your control, because after all, who marries just to get lower car insurance rates?

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