If you’re looking to reduce the cost of auto insurance, you know there are certain crucial factors influencing your rate that are out of your hands. Such factors include your age, gender and record of prior claims. Despite this, there’s a lot you can do to score a lower rate, and your choices bear more power than you might think. Here are some tips to help you get the best rate possible on your auto insurance.
Choose to keep your driving record clean
Here’s an easy, yet effective way to bring down your car insurance costs – drive carefully and obey the rules of the road! Auto insurance companies like to see a consistent accident-free, conviction-free track record. Remember, accidents can affect your premiums for six years or more, so the more you do to avoid them the better. Pay attention to road conditions and be aware of other drivers.
Choose your vehicle wisely
Love the look of that sweet ride? Thieves might too! If you buy a car with a high theft rate or one that’s expensive to repair, your premium can be higher. So do your research! Read consumer reports, and check with your auto insurance company to find out which cars tend to be tougher on the wallet.
Review your coverage
Take a close look at your coverage limits and deductibles.
- Choosing a higher deductible will lower premiums.
- If you have an older car, compare the value of the car to the cost of optional collision or comprehensive coverage and decide if it’s worth it.
Let your McCAM Insurance broker check for more competitive rates
When your car insurance comes up for renewal, We will shop around to see if you’re getting the best rate. When you call for a car insurance quote, McCAM compares up to 9 insurance companies and presents the best quote they can find for your particular situation.