Car insurance isn’t only required by law, but it’s also an important part of protecting everyone who shares the roadways. Even so, it’s one more expense to worry about. Luckily, there are many ways to cut back on your premium costs. We’ve listed a few of these ways that you can discuss with your independent insurance agent to see if you can start saving today. 

Vehicle 
The car you drive has a lot to do with how much your auto insurance will cost. The two main considerations are flashy vs. modest and safety. People who drive flashy sports or luxury cars tend to behave more recklessly on the road. These cars also have higher repair costs. Because sports and luxury cars have more associated risks, they are more expensive to insure. Additionally, the safer your car, the less you’re likely to pay for coverage. Therefore, a modest sedan or SUV loaded up with safety features—like smart keys, side airbags and alarm systems—often costs the least to insure. 

Driving Record 
Insurers look at your driving record when calculating your premium. Someone with multiple tickets and/or accidents in the recent past will pay more for coverage than a safe driver with a clear record. However, accidents do happen, and there are many insurance carriers that offer auto insurance policies with an accident forgiveness feature. 

Insurance Carrier 
Perhaps the easiest way to save on car insurance is to bundle all of your insurance policies with single carrier, which often results in across-the-board savings. For additional savings, pay your premium annually or biannually, as opposed to making monthly payments. Why? With every payment you make, a processing fee is attached. Fewer payments means fewer fees, which can add up over the years. And don’t forget to ask your independent agent if you’re eligible for any discounts like safe driver, senior or good student. 

See how much you could save today! Call Cowey Insurance Group today for more information on auto insurance.