4 Tips for Keeping Auto Insurance Affordable

4 Tips for Keeping Auto Insurance Affordable

Keeping auto insurance affordable should always be your goal. Unfortunately, insurance companies will raise premiums, even when you least expect it. There are a few tips to help you keep the policy under control. This will allow you to maintain affordability all year long.

Avoid Traffic Tickets

Traffic tickets happen when you least expect them. It may be because you were speeding, ran through a red light, or fail to come to a complete stop. Whatever the reason, these can count against you when it comes to identifying yourself as a safe driver with auto insurance companies. Every time you get a ticket, it registers on your driving history.

It's not always easy, but being a responsible driver will make it easier to keep your policy affordable throughout the year. If you do get a ticket, try and take the safe driving course. It can prevent the points from hitting your license and show the insurance company that it was an honest mistake and that you learned from it.

Buy the Safer Car

If you are in the market for a new car, take a good look at the safety features. Many of the latest cars have some incredible safety characteristics, including driver-assist programs. When you are looking at two different models, buy the safer car. Safety features are often what helps to keep a policy affordable because insurance companies know that you are less likely to be involved in a serious accident when the car is safer and has more features to help drivers.

Insurance companies will ask for the VIN on the vehicle and this will tell them all about the safety features loaded. If you haven’t purchased the car yet and you’re deciding between two, it can be advantageous to call an independent insurance agent and have them run quotes on both potential vehicles. This will allow you to see which one is going to be more affordable to insure.

Compare Rates

You don't really know what the cost of auto insurance is until you compare rates. It takes a few extra minutes, but getting quotes from several insurance companies will make it easier for you to learn about the options. Try to get quotes from at least three different companies. Look at more than just the price, too. You will also want to look at the coverage to ensure that they are the same. Every insurance company will also have a unique value proposition, which has the potential to save you money and provide you with more convenience – such as roadside assistance, online claim service, and more.

Work with an Independent Insurance Agent

Many people don't realize it, though it is no cost to you to work with an independent insurance agent. This means that you are able to tap into their knowledge and expertise to help you find affordable auto insurance in Florida. They may know about discounts, auto insurance carriers, and more that you were unaware of. This can lead to a considerable savings throughout the year.