If you own a car in Lacey, it can be difficult to find affordable automobile insurance. In fact, according to a 2014 study done by Insure.com, the average driver in Washington pays around $1,499 for their car insurance each year–a big increase from average rates in recent years. Still, there are ways to save significantly on your Auto Insurance Lacey. Below are some tried-and-true tactics to lower the cost of your insurance premium.
Improve Your Credit
These days, your credit rating affects nearly every aspect of your financial life–including your car insurance rates. If your credit rating is poor, you could be paying dramatically higher prices to insure your vehicle. Taking steps to improve your credit score is one proven way to start getting better car insurance quotes. Settle up any delinquent accounts, pay your bills on time and fix any errors on your credit report. In a few months, your insurance rates could be significantly lower.
Go Local
When you’re shopping for car insurance, bigger isn’t always better. Often, small-sized local agencies will take the time to find you better insurance rates than big-name national companies. In the Lacey area, SAV-ON Insurance Agencies is a family-owned business that’s been committed to providing affordable insurance for over 50 years.
Protect Your Car
Installing an anti-theft device in your car is usually a sure-fire way to receive an insurance discount–sometimes as high as 20%, according to the FCIC. Talk to your insurance agent to see if this discount is available to you and what type of security device will qualify. Some insurers will offer reduced rates for something as simple as a visible wheel lock, while others will require you install a high-tech device with an alarm system and a remote tracking agent.
Drive Less
Many insurance agencies offer significant discounts to drivers who put low mileage on their car each year. If you commute to work, work from home or are retired, this could be a great money-saving option for you to explore. Mileage caps will vary depending on your insurer, but you’ll typically be eligible for this discount if you drive less than 10,000 miles annually.
Car insurance can be a significant part of your overall transportation expenses, but there are ways to save big. Keep the tips above in mind and talk to your insurance agent about other cost-reducing strategies that may be available to you.
