The price you pay for auto insurance depends on a wide variety of factors providers use to determine your level of risk. Some factors are beyond your control, such as age and gender, but there are still ways to reduce your rates. Here are a few tips for lowering your premium.

How to Get a Better Auto Insurance Rate 

1. Raise Your Deductible

Every auto insurance policy has a deductible that the driver must pay out of pocket when filing a claim for repairs before the insurer will pay the remaining balance. There are different amounts you can choose, but the higher you set your deductible, the lower your premium will be. This is because you’re sharing more financial responsibility with your provider in the event of an accident. If you decide to raise your deductible, you need to make sure you can afford it if necessary.

2. Avoid Distracted Driving 

Distracted driving is a leading cause of collisions, which increase auto insurance premiums. As such, if you want to pay less for coverage, make an effort to avoid distractions while you’re behind the wheel. Don’t text or talk on the phone, finish eating and grooming before you get in the car, adjust your mirrors, radio, and navigation system in the driveway, and make sure children and pets are properly secured. Those who have clean driving records are typically rewarded with reduced rates.

3. Shop Around for Discounts

Working with an independent insurance agent who represents several insurers is often the easiest and quickest way to compare pricing. They’ll be able to see the various discounts each carrier offers and how they may apply to your situation to make your coverage more affordable. You can often save by installing safety features, minimizing your mileage, and bundling policies.

4. Maintain a Good Credit Score

Texas allows insurance companies to factor in credit scores when calculating coverage costs. Generally, a higher score is equated with less risk. Thus, if your rating is low, you should take the necessary steps to increase it. Pay your bills on time, reduce the balances on your credit cards, and check your credit report for errors. The next time you switch providers or renew your policy, an improved score can help lower your rates.

If you’re looking for a better auto insurance rate, reach out to Barry Insurance in Texarkana, TX, for help exploring different options. They have access to products from multiple well-known providers and are able to offer you reliable coverage at competitive rates. Since 1962, they’ve been committed to making sure residents have the protection they need to secure a financially stable future. Call (903) 831-3493 to request a quote, or visit them online for more information about their services.