Saving Money on Car Insurance – The Simple Truths

Lots of insurance companies promise to save you money on your car insurance, but there are some simple truths that will greatly affect what your premiums will be.

For better or worse, your automobile insurance premium is a direct result of your driving record. This amount is determined by the insurance company to cover the costs of insuring you and your family as drivers on the road. Want to lower your premium? Keep your driving record clean!

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Premium Prices:

• Before giving you a premium price quote for your automobile coverage, insurance companies look at your driving record for the last three to five years.
• Your driving record reveals how risky you would be as an insured.
• Those with lots of tickets and/or accidents are considered more of a potential liability because statistically, they will get into more accidents and have more tickets in the future.

Safe Driving Pays:

• If you have no accidents or tickets (especially moving violations) on your record recently, you may be eligible for a lower rate.
• You may also be eligible for a significant discount after several years of good driving.
• You may also be eligible for an accident forgiveness program if you’ve gone several years without an accident on your record.

A good driving record can also reduce your deductible! For each year that you go without an accident or ticket, you may be eligible to do away with your deductible completely. This is extremely beneficial for those who elect a higher deductible in exchange for smaller premiums.

To properly protect yourself from the always present danger of huge awards for automobile liability, it is imperative that you maintain the proper level of coverage for your particular situation. We can help pinpoint car insurance best suited to your needs - get a quote from Marshall & Sterling today.

Additional Resources:

• Request an Auto Insurance Quote
• New Study Reveals Car Insurance Trends
• Test Drive Auto Rates Before You Buy

• Shopping for a Safe Vehicle