Being a legal driver in the United States requires that you have the right paperwork to go with it. This includes auto insurance, which provides a safety net if you ever have a car mishap or end up in an accident. When shopping for auto insurance rates, you'll notice that policies can vary. If you're looking for ways to lower your rates, you can learn how in the list below.

How to Get Lower Auto Insurance Quotes

1. Have a Clean Record

The key to getting good auto insurance rates is to avoid having any points on your license. If you do have them, you should work towards getting rid of those points and not accruing any new ones. Running red lights, speeding tickets, and accidents can all increase your rates, and you'll need to be a cautious driver to avoid these situations.

2.  Drive a Practical Vehicle

Many insurance agencies increase their rates for cars outside of the norm, including antique, sports, and luxury vehicles. These cars are not recommended if you are on a budget; they have higher upfront costs, maintenance costs, and gas prices. 

Antique cars have increased rates because they are less reliable than modern vehicles. All three types of vehicles also cost more to repair, meaning their collision coverage is naturally higher than average cars. 

3. Inquire About Discounts

Many insurance agencies offer discounts based on certain characteristics, like a clean driving record, good credit score, driving education background, and low annual mileage. Some companies also offer a lower premium if you stay with them for several years and use their other additional insurance plans.

Get an auto insurance quote with Barnes and Howell Insurance in Gainesville, GA. These insurance professionals have been serving clients in Hall County and the Atlanta metro area since 1995 and offer auto insurance coverage for individuals and businesses. Call (770) 718-0202 to schedule an appointment with one of their agents or get a quote on their website.