Car insurance is an expense most people in the United States have. Over 80% of the adult population use a personal car which, by law, must be insured. Premiums for these policies are based on many factors from where you live to your marital status. These factors can be fully explained by your insurance agent glendale az. Here are three things you can do to positively influence your auto insurance rate.
Improve Your Credit Score
Many people are unaware that most insurance companies take your credit score into consideration when determining your auto insurance rates. Low credit scores can lead to much higher rates.
While improving your credit score may be a challenge, it can be accomplished. Get a copy of your credit report and look to see if you disagree with any items that are negatively effecting your credit score. Mistakes are made often by those who report to the credit rating bureaus. You have a right to dispute any items on your credit that you don’t believe should be there.
Another smart way to improve a credit score is to pay down credit card debt. High credit card balances have a negative impact on credit ratings.
Practice Sensible Driving
By practicing sensible driving, you reduce the risk of costly accidents that can result in skyrocketing insurance premiums. You also minimize the chances of receiving any kind of moving violation. It’s no secret that tickets from speeding, failure to stop at a red light or reckless driving will have a negative impact on insurance rates.
Consider the Type of Car You Drive
If you are in the market for a new vehicle, check the insurance rates for the type of vehicle you wish to acquire before purchasing. Newer, expensive vehicles and cars with large engines often carry higher premiums.
Finding affordable auto insurance can be a simple process if you are properly prepared.