Your auto insurance premiums can increase or decrease over time, based on decisions you make and your own driving habits. If you want to decrease your insurance premiums, there are a variety of steps you can take to help you get some of those much-needed monthly savings.
Here are some of the ways you can lower your car insurance premiums in Tampa, FL:
- Be a safe driver: This is the best step you can take to keep your insurance premiums at a reasonable cost. A driver who has a history of at-fault accidents or traffic tickets can see some significant pricing on their insurance premiums. Driving carefully will help you keep your monthly expenses low. And even if you have at-fault accidents or moving violations on your record, staying “clean” for an extended period of time will result in those incidents falling off your record and no longer impacting your insurance.
- Choose higher deductibles: If you’re okay with the calculated risk of a higher deductible, that’s one step you can take to lower your premiums quickly. If you have a good driving record and don’t feel like you are at a significant risk, this can be a simple and effective action to take.
- Choose the right kind of car: There are some kinds of cars that are much more expensive to insure than others. For example, flashy, expensive sports cars are costlier to insure because they’re worth more, and are more likely to be used for risky driving behaviors. Certain types of vehicles that are often targeted by thieves and burglars, such as older models of Honda Civics, can also be expensive to insure. Vehicles that have high-quality safety features will be less expensive to insure than those that don’t.
- Shop around different providers: Get insurance quotes from different providers. Even if you’ve been with the same company for years, you might find you can get a lower rate from another provider. Check every couple of years what other rates you can find on the market—some companies will cut their prices on occasion to bring in new customers. Even if you have a loyalty discount, the entry rates at other providers might be lower.
- Reduce your commute: The more time you spend on the road, the more you’re going to cost to insure. If you live closer to where you work, this can reduce your commuting time and mileage, and thus the amount of money you can expect to pay for your insurance coverage.
- Boost your credit score: Improving your credit doesn’t just give you access to better interest rates—it also helps you get better rates on your insurance premiums. This means you should pay all of your bills on time and build a strong credit history.
These are just a few examples of some of the steps you can take to reduce your auto insurance premiums in Tampa, FL while still enjoying the coverage you need. For more information about getting low-cost car insurance, contact Cheap Car Insurance Guru today.