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7 easy steps to reduce your car insurance rates

Did you know that auto insurance premiums are not set in stone?  There are multiple factors that can influence the price.

We’ve pulled together a list of the best steps you can take to lower the cost of your car insurance:

  1. Be cautious on the road: Accidents remain on your record for six years! Cautious drivers without a history of accidents can expect to receive lower insurance rates.
  2. Drive a lower-risk vehicle: Some vehicle models are more likely to be a target for automobile theft. They also have higher repair costs or are statistically involved in more accidents than other models that can lead to a rate increase.
  3. Enroll in a driver’s education course: New drivers that have completed a driver’s education course within the last three years will pay lower insurance rates.
  4. Install an anti-theft system: Even if your insurer doesn’t require it, your vehicle is less likely to be stolen if it is equipped with an anti-theft system. Installing one can lower your insurance rates.
  5. Increase your deductible: It’s simple – the higher your deductible, the more you save on your rates. In the event of an accident, you will have to pay a larger portion of the costs with a higher deductible.
  6. Combine your insurance: By having your home and car insurance with the same insurer, you can receive additional benefits and savings.
  7. Take advantage of public transit: Insurance rates are higher for those who commute by car. Use public transit to get to work and qualify for lower rates.

If you’re looking for a car insurance broker who can help you save money, or if you need help to determine whether a new vehicle purchase will affect your premium, give AGR Insurance Brokers a call! 1-800-668-0250