6 Tips for Lowering Your Auto Insurance Rates

Depending on your location, auto insurance can range from a luxury to a necessity. The one thing that’s universal is the desire of policy owners to lower their monthly premiums. If you’re interested in saving more money on car insurance, here are just six ways to make it happen.

  1. Change Your Policy

Do you really need comprehensive coverage? What about “uninsured motorist” coverage? Most states only require basic things like collision coverage, so you can save a bundle by chopping off parts of your policy that you don’t need.

  1. Make Your Car Safer

Replace your air bags. Upgrade your locks. Install a top-notch car alarm. If your vehicle is less likely to be stolen, damaged or totaled in an accident, the insurance company will give you a break in terms of monthly payments. It might not be a lot, but it’s something.

  1. Improve Your Credit Score

Your credit score is one of the most important numbers in your life, so it should come as no surprise that it influences your auto insurance rates as well. Start clearing out those old debts for a better financial future.

  1. Go Back to School

Many insurance companies will give you a discount if you take driver’s ed classes or attend some kind of traffic school. From their point of view, you’re less of a risk on the road if you’ve gotten extra schooling in how to be a good driver.

  1. Increase Your Deductible

If you’re having a short-term financial crisis, consider raising your deductible to lower your premiums. It’s not an ideal solution for the long run, but it can help you cut back on your expenses during a difficult time. You’ll just need to be extra-careful when you’re on the road.

  1. Ask for Discounts

Believe it or not, the simplest way to get a discount from your insurance company is to ask them about it. You never know what kinds of programs they’ll have for people like veterans, teenagers, students and senior citizens. Your agent might also be able to steer you in the direction of deals and discounts that you didn’t even know existed.

These are just six things to consider when looking at auto insurance Long Beach. Whether you’re a first-time driver or an experienced roadster looking to save more of your paycheck each month, use these tips so that you can spend your money on other things.