5 Tricks That Can Cut Your Car Insurance Rates - A to Z Insurance

5 Tricks That Can Cut Your Car Insurance Rates

by admin April 03, 2019

Philadelphia, PA 02/22/2018

In the world of car insurance we are all searching for ways to save money. With over 27 years of experience in the insurance industry, I can confidently tell you car insurance prices are rising and that’s not going to change anytime soon. But, even with prices rising, there are are few tricks you can use to keep your insurance rates low. Here are 5 tricks that can cut your car insurance rates!

1. Watch your credit score

Many people underestimate the importance of their credit score when it comes to getting insurance rates. As we enter into a new era of insurance pricing, more and more companies are using the credit score as a basis for the cost of your rate. Meet with a financial counselor early on or with an advisor who can point in the right direction to managing your finances and score properly. Be sure to pay your bills on time in order to keep your rates low!

2. Buy your car

Car dealerships will sell you a new car any day but it is important to note that when you are getting a new vehicle with financing attached to it you will also be required to obtain a minimum essential coverage that is demanded by the finance company. Some people may not need full coverage and therefore find themselves spending two or three times as much for a car on a monthly basis than they should. If you are saving money for a vehicle, be smart and purchase your vehicle outright and find one that fits your budget. This helps you save money on choosing the coverage that fits your budget and needs.

3. Follow the rules.

One way to save is to make sure you’re driving by the rules. Violations, tickets, accidents will all increase your insurance rates. If you already have one or a few of these, you can start using tip number 3 now! It may take some time, but every year you are free of any violations, your car insurance rates will drop. Encourage others to follow the rules as well. Did you know rates increase when the general community has more accidents? This is because insurance companies have to pay for these accidents, which brings their costs up and your rate along with it. So follow the rules and the road and you’ll see your rates drop in no time!

4. Defensive Driving

Defensive driving courses are a great way to get yourself 10-15% off of your insurance rates. If you have multiple parties in your family and you all take the course some insurance companies may grant you discounts for every certificate. Companies like A to Z Insurance can get you setup with a defensive driving course near you! Just click the get quote button below this blog or contact an agent on the A to Z Online website.

5. Compare rates

The best way to save money is to compare rates. Committing to a company that only sells one type of insurance is a good way to throw your dollar bills down the drain. At A to Z Insurance, we’re not only known for having the best car insurance rates around, but we compare rates across multiple companies. If you’re interested in comparing rates and cutting down that insurance payment, click the button below to get a quote!

Are you having trouble finding the best rate for you or someone you know? A to Z Insurance provides low car insurance rates in the Delaware, Maryland, Pennsylvania areas. Click Get A Quote below to see how we can cut your rates for you!