The Best Ways Lower Your Insurance Premium and Rate

Health insurance, home insurance, and car insurance… oh my! All of these costs can quickly add up. 


What if we told you there was a way to get more affordable auto insurance rates? Continue reading on to see the helpful tips and tricks to keep in mind when perusing for auto insurance.

  • Get multiple quotes – believe it or not, many people do not bother getting a second or third quote. How will you know if you got the best price the first time? Here at Best Auto Insurance, our free quote system gives you a variety of all the best auto insurance companies to choose from, without doing any additional research, you’re saving money and getting a free quote.
  • Ask for higher deductibles – the higher your deductible for your auto insurance policy, the less you pay annually. Be aware that if you get into an accident, you have to pay the deductible amount right away, so you need to have the cash amount on hand.
  • Swap a brand new car for an older one – Having an older car that is worth less in value, in turn, makes your car insurance premium lower. In addition, older cars tend to be less expensive to fix so your comprehensive and collision coverage potentially are much lower in your policy and therefore make your auto insurance premium lower.
  • Bundle car and health insurance – Many insurance companies will lower the cost of your premium if you purchase multiple policies from them. At Best Auto, we not only allow you to compare multiple auto insurance quotes, but we also work closely with those companies that sell health insurance. 
  • Maintain a high credit score – Having a good credit history is essential not only for getting a cheaper auto insurance policy, but also very important for leasing or buying a new car. Insurance companies give less expensive rates to customers who have proven that they are capable of paying bills on time. When an insurance company looks at your credit, they hope to see low balances and consistent payments. Make sure any discrepancies in your record are settled and check your score often.
  • Low mileage and good driver discounts – If you drive fewer miles per year than the average driver, you are less at risk for an accident. Many auto insurance companies will lower the cost of your policy. If you have a clean driving record or have taken a defensive driving class, you are deemed a safer driver and therefore are less of a risk to insure. Some companies will even give you a discount for having a professional degree or living in a specific neighborhood.

Additional discounts that may be available to you are:

  • $500 deductible
  • $1,000 deductible
  • More than 1 car
  • No Accidents in 3 Years
  • No Moving Violations in 3 Years
  • Driver Training Courses
  • Defensive Driving Courses
  • Anti-Theft Devices
  • Low Annual Mileage
  • Air Bags
  • Anti-Lock Brakes
  • Daytime Running Lights
  • Student Drivers with Good Grades
  • Auto and Homeowners Coverage with the Same Company
  • College Students away from Home
  • Long-Time Customer
  • Other Discounts

Ready to Lower Your Insurance?