• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us CALL US TODAY | 818.779.4930
Home
  • Home
  • Get a Quote
    • Auto
    • Homeowners
    • Limousine
    • Renters
    • Motorcycle
  • Coverage
    • AutomobileImage of right arrow
      • What Factors Determine Auto Insurance
    • Homeowners
    • Renters
    • Motorcycle
    • Limousine
    • Business
    • Boat
    • RV
  • Customer Service
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Calculators
    • Insurance Glossary
  • About Us
    • Our Locations
    • Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Boat Insurance BOAT

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
RV Insurance RV

Learn about different RV coverage options that fit your specific needs.

Read More
Motorcycle Insurance MOTORCYCLE

Browse a variety of insurance options in order to find the right one for you.

Read More
Home > Blog > 5 Easiest Ways to Keep Your Premiums from Rising
THURSDAY, DECEMBER 2, 2021

5 Easiest Ways to Keep Your Premiums from Rising

The last thing any of us want is to look at our monthly bills and notice we're paying a little more this month than we were last month. Whether that's because we were using a little more electricity than usual, filling up that above-ground pool took a little more water than we thought or our insurance premiums have been bumped. So, what can we do to keep our auto insurance rates nice and low? 
Young happy woman showing the key of new car
1. Maintain a good credit score. Your credit score goes a long way to determining your rates. It may seem like an arbitrary connection, but remember, what your insurance is looking for is a low-risk individual to cover. Better credit tends to correlate with lower risk. 

2. Only file a claim when necessary. You want to avoid filing a claim when the amount doesn't even exceed your deductible, but even in instances where it seems to make financial sense, the rate bump following a claim can add up over time. 

3. Take a defensive driving course. Defensive driving courses and other advanced driving courses take less time than you think. Many of them can be completed in a single weekend, and in some states, discounts for defensive driving courses are mandatory. Call your car insurance agent to find out what courses your insurer offers discounts for. 

4. Reduce coverage on older cars.
Liability is the only auto insurance required by law. If you're driving a new car, it makes no sense to go without full coverage. But if you're driving an older car, something that could be replaced for less than your current deductible, there's not much reason to worry about collision and comprehensive coverage anymore. 

5. Drive less. Perhaps the easiest way to reduce the likelihood of an accident: Just spend less time behind the wheel. The more time you spend on the road, the higher your odds of an accident. Many insurers offer a pay-per-mile option so that you can pay far less simply by staying at home or investing in a bicycle. 

Any number of things can bump your car insurance rates, but the big one should be obvious: Accidents. Drive safe, pay your premiums on time, and it's going to be far less likely that you'll have to worry about your rates being raised.  

Posted 11:42 AM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • auto insurance(6)
  • home insurance(5)
  • coverage(4)
  • renters insurance(4)
  • insurance(4)
  • motorcycle insurance(4)
  • policy(2)
  • motorcycle(1)
  • homeowners(1)
  • renters(1)
  • auto(1)
  • belongings(1)
  • hunting(1)
  • car(1)
  • rates(1)
  • minimum(1)
  • apartment(1)

View Mobile Version
Facebook
Google+
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers

Resources

Home About Us Get a Quote Customer Service Newsletter Contact Us

Contact Us

location icon
  • 15333 Sherman Way Unit Y
  • Van Nuys, CA 91406
  • –
  • 818.779.4930
  • info@signanddriveinsurance.com
© Copyright. All rights reserved.
Powered by Insurance Website Builder