5 Ways to Lower Your Car Insurance Cost

​Whenever you buy a new car, you need to process auto insurance before rolling out. Auto insurance is a contract between you and the insurer. You will pay an individual monthly premium, and in an untimely accident or damage to your vehicle, the insurance company will shoulder the cost. 

However, car insurance can be expensive. It’s cost increase from 3 to 4% annually through monthly contributions can vary in each state. Insurers grade their clients before providing a policy. Consider these ideas to lower your monthly premium.

1. Choose a cheaper car
   Leading cause of increasing insurance costs is due to new technology incorporated into new vehicles. Amenities in the car comes in many forms like cameras, night vision, and a pristine sound system. The given examples make the car expensive, and repairs or replacement from an accident can be costly for insurers. 
   
   
2. Buy a safer car
   Opt instead for a car with multiple safety features like airbags, electronic stability control, automatic seat belts, and anti-lock brakes. You can also add aftermarkets like an anti-theft device. Insurers give discounts to cars with additional safety features, so better consider your options before buying. Other insurance companies also provide discounts for those who purchased a hybrid or electric vehicle.
   
   
3. Finish the defensive driving course
   Insurers have checklists of their own before computing your monthly premium. Not only they grade the car you are planning to buy but your personal information as well. If you finished a defensive driving lesson, insurers would know you can handle your vehicle and your safety when an accident happens.
   
   
4. Have a good record
   Insurers will surely dig deep about your records. Make sure you have no traffic violations, no matter how simple it could be. Keep your monthly bills and amortizations paid and maintained. Keep a good credit standing, and the insurer can give you a modest rate.
   
   
5. Use a single company for all your insurance
   Have your life, property, and a single company covers auto insurance. Multi-line insurance from a single company can give you a discount not only for auto insurance but to all other policies you enrolled in. Always ask your agent, as promotions and discounts are common.

At Black And Associates Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (509) 464-0058. Get your free quote today by CLICKING HERE.