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Signing a carFor most consumers, saving money on car insurance is a top priority. But how do you know which steps to take to ensure that you’re getting the lowest rates? Here are five ways to save money on your auto insurance.

#1: Speak with Your Independent Insurance Agent Every Few Months

The easiest way to save money on auto insurance is to speak with your independent insurance agent every few months—such as at a bi-annual or annual renewal. He or she will be able to review your policy to make sure you are receiving all applicable discounts and have the right coverage level for your lifestyle. (Policyholders with some specific occupations—like teacher and military personnel—are even eligible for safety discounts!) This is a great way to make sure you are getting the maximum amount of value out of every dollar you spend.

#2: Keep Your Driving Record Clean

Insurance agents constantly preach about keeping your driving record clean to get the lowest rates. The truth is that drivers who get more tickets and have more accidents while on the road often cost insurers more money in terms of paid out claims. Knowing this ahead of time, auto insurance companies charge more for insurance upfront on drivers who already have bad records. Thus, keeping yours free of tickets and accidents is a great way to help you save money on car insurance.

#3: Pay Your Bill in Full

Another easy way to save money on car insurance is to pay your bill in full instead of monthly. While this is not true for every insurer, most provide a substantial discount and/or waive processing fees for policyholders who pay their bill upfront instead of breaking it up into chunks.

#4: Have a Birthday

The easiest way to save money on car insurance is an automatic one—have a birthday! As you age, auto insurance rates drop. Generally, the benchmark for savings is after age thirty and again at age sixty. However, the exact schedule for rate decreases based on driver age depends on your individual insurance company.

#5: Maintain a Good Credit Rating

Most auto insurance carriers in the United States use credit as a factor in determining rates. By paying your bills on time and maintaining a good credit rating, you can help keep your insurance premiums as low as possible.

These simple steps are just a few of the ways you can save money on auto insurance. Contact your local independent insurance agent today for further details and/or to review your current policy.

Find out how much you can save today. Call Allen Harmon Insurance at (269) 441-5164 for more information on Battle Creek auto insurance.

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