3 WAYS TO LOWER HIGH-DOLLAR CAR INSURANCE PREMIUMS

Those that want to drive in California must get valid car insurance. People can get in their vehicles and go without policies, but that isn’t always a good choice. If they get pulled over by officers, steep fines could be headed their way. Motorists caught without insurance may also have their cars towed and their licenses suspended as well.

Meanwhile, if a wreck happens, non-insured drivers can be held liable for damages without an insurer to take the fall. Just because folks must have car insurance, that doesn’t mean they like paying for it. In many instances, people never have to file claims. As such, they paid for coverage time and time again but didn’t need it. When that occurs, it is easy to see why some people view car insurance negatively.

Still, though, drivers have to have it, so they get it, regardless of how they feel. Do you believe you are paying too much for your insurance? Yes, well, don’t fret because you are not alone. That thought has crossed every driver’s mind at least a time or two. If you are tired of paying high-dollar car insurance premiums, the following strategies may be able to help. Therefore, interested parties should stick around and read on to learn more.

1. Bundle Insurance Packages
   
   Many insurers offer discounts to policyholders that bundle packages. Customers purchase one or more policies from them and get deals. Thus, if you have a car, home, life, renters, or other types of insurances, think about using one insurance company for them all. Perhaps you will get 5, 10, or 15-percent off your total and low monthly premiums.

2. Fix Your CreditHave you bought an insurance policy before? If the answer is no, don’t let it come as a surprise when agencies check your credit. It is not uncommon for companies to do this before quoting rates. Those with high scores usually enjoy low premiums, while those with low scores pay quite a bit more. Hence, if your credit score is low, fix that number ahead of obtaining car insurance. The action could save you a ton of money in the long run.

3. Drive SafelyTraffic violations can cost drivers a bunch. They must pay fines after getting caught speeding, not wearing a seat belt, or running a red light. Not only that, but their car insurance premiums are typically high too. When people don’t speed or become involved in crashes, insurers sometimes reward them with 5-percent discounts. That may not seem like much, but it can make all of the difference in the world when you’re already paying what seems like an arm and a leg for coverage.

Additionally, most insurers review policies every three years or so and drop rates further when drivers don’t have any traffic violations. Do you need an affordable and high-quality car insurance policy? Yes, then you have come to the right place. Contact Panorama to get your quote today.