Tips to help reduce your Premium

Park in a Garage

Make sure your insurance knows your care is parked in a garage, you may get a discount. 

Your car is harder to steal so you are less of a risk

. If your garage has a security system. This could help you get a discount. 

Anti-theft devices might also help you increase your savings.

Make sure you let your insurer know.

Your Credit Score

Depending on which state you live in Your credit score can potentially affect your insurance rate.

The general assumption is that individuals with lower scores represent greater overall risks.
Whether or not this is correct having poor credit could work against you and lead to higher coverage costs.

 Check your Credit Score occasionally, if you score has improved, talk to your insurer

Drive Safely

Try to drive more safely. Traffic violations and at-fault accidents will increase your rates.
Your driving record is one of the largest factors when it comes to rating your risk category.

.Gap Coverage

This is designed to handle the difference between what you owe on your auto loan versus the current value of your car.
If your vehicle is totaled in an accident, you can pay off the loan in full even if your car is worth less than the amount still outstanding on your loan.

It can be worthwhile option. But only consider gap coverage if your car loan exceeds your car’s value. If it doesn’t, then why spend the money.

Unneeded Coverage

Some policies have  coverage for roadside assistance, rental cars, and other useful extras.
 However, if you don’t need them, removing them could reduce your premium.
They can be added if your situation changes. You can usually switch them on and off, allowing you to save more money over time.

Mileage Discounts

The average mileage is assumed to be about 12,000 miles. If your annual mileage less than that, you might qualify for a low mileage discount.

More Discounts

Many insurers offer a range of discounts not openly advertised. There are often discounts for retirees, teachers, first responders, military members, veterans and others.
 ASK!