While you may understand the necessity of auto insurance, you probably don’t love having to pay your insurance bill every month. Our team at Curtis Helms Insurance has extensive experience in this industry, and we understand how insurance premiums are calculated, as well as strategies that can lower your auto insurance rates. If you are looking for ways to bring your insurance bill down, we encourage you to keep reading!
There are two main ways you can lower your auto insurance rates. First, you can reduce the amount of coverage you receive, or you can try to improve your driving habits to boost your insurance score.
- Reducing Coverage – If you are interested in reducing your coverage in order to lower your auto insurance rates, simply reach out to our team to go over your policy. We can help you identify areas where you can reduce your coverage, such as removing drivers from your policy, and bring your premium down. Be aware, however, that reducing your coverage will mean you will have to pay more out of your own pocket if you’re in an accident.
- Improving Driving Record – This second strategy will take time, but it’s often the more effective way to lower your auto insurance rates in the long run. By practicing more cautious driving habits, you can improve your driving record, which will lower your rates over time. The longer you and the other drivers on your plan go without getting ticketed or getting into accidents, the better your rate will get.