Car Insurance Premium Went Up? What You Can Do To Get It Back In Line

Posted on: 29 November 2019

Your automobile insurance rate can sometimes go up without warning. Maybe you got a speeding ticket some time back and it finally popped up when your insurer ran a random motor vehicle report (MVR.) Or you added your teenager to the policy because they obtained their driver's license and the price increased due to their inexperience. However it happened, you need to find ways to bring your rate back down to an affordable level. Follow the tips below and you may be able to get your insurance premium right where you need it to be.

Take A Defensive Driver Course

One of the quickest and most convenient ways for you to get a discount on your car insurance is to take a defensive driver course. Not only can passing the course help you qualify for a lower rate, but you could also learn some valuable information in the process.

No matter how you look at it, becoming a better driver can only benefit you. If you're able to assimilate the information in the driving course and use it to sharpen your skills behind the wheel you lower your risk of getting into a car accident. Many of the techniques you learn will be refreshers from back when you first got your driver's license, but there could be some new information there as well. Do you remember how to avoid a collision when you hit a skid? What is the best following distance? Who has the right-of-way at a four-way intersection? These are just a few of the tidbits you should pick up when you take a defensive driver course. Once you pass the class and get your certificate you can submit it to your insurance company and hopefully get a good discount.

It Might Be Time To Make A Move

If there has recently been a rash of vehicle break-ins or vandalism in your community you could be feeling the effect on your wallet. Those kinds of incidents often cause insurance companies to raise rates because they expect more claim payouts in the future. 

In order to avoid being lumped into this group, you might want to move to a new area. Make sure to compare rates across zip codes to determine where you want to go.

Get more information on your auto insurance and see what rates are in your reach. Put these tips into play so you can get the kind of premium that you can afford.


Little-known Insurance Tips

While I have had auto insurance ever since I bought my first car at 16 years old and home insurance ever since I bought my first home several years ago, I have to admit that over the years I knew very little about insurance. I tended to just look at the price of the coverage and sign the paperwork without really looking into the pros and cons of each policy. After my friend was in a car accident recently (thankfully, she is okay!) and she said she had to pay for some of the damage to the other vehicle out-of-pocket even though she had a minimum state coverage auto insurance policy, I decided to put a lot of careful research into insurance policies and what they really offer. I want to help others by sharing the information I have learned on a blog. I hope I can help you!