We are all wondering if there is a way to get a better rate on our Auto Insurance. What can we say? Who doesn’t like to save money?
I had several disadvantages when first setting up my insurance. I was under the age of 25. That automatically increases the rate of my auto insurance; there is no way to get around that one. Number two, I was in a minor car accident two and a half years prior to setting up my insurance. Oh, and did I mention the accident was my fault? That of course, was not in my favor and did not help my situation out at all. The insurance company though, did let me know that if I have a clean record for three to five years, then it would reduce my insurance rate.
So, once that three year mark hit, I called them straight up. I was going to do anything I could to get a better rate on my insurance! I was done paying for a mistake that happened three years ago. In all honesty, I was a little demanding while talking to my agent. I was determined to not hang up that phone call until I had lowered my insurance rate and have done everything in my power to do so.
I told my agent it had been officially over three years since that accident had occurred and after a little pushing, he told me he could drop my monthly payments a little. That made me feel better about it already, but I figured, why not push a little farther? I asked my insurance agent many questions. I knew that there had to be more I could do to get a better insurance rate.
Turns out, there is a device they can install in your car, and it is somehow able to track how fast or how steady you come to a stop, etc. To sum it up, your insurance rate is affected by the way you drive. This was new to me. I have never heard of something like that. This would be an awesome thing to do if I was an epic driver. Since driving is not my best skill, I decided I had better not do that because I was afraid it would increase my monthly insurance payments rather than working as a benefit. My agent also told me my credit score was good which definitely helps, but that was already positively affecting my payments. Apparently, marital status affects it as well. That was a plus for me because I was just recently married a few months before then. I gave him all of that information which also caused it to decrease as well. My insurance rate ending up being lowered by about thirty percent. I was super happy!
I came to find that there are many aspects that influence the rate of auto insurance. Where you live, what you job is and how much you use your vehicle; this all affects it. A good credit score and having a clean record will always be beneficial when it comes to insurance rates! Call and get the most you can out of your insurance company.