1.Be sure to ask about discounts! Don't ever forget to ask about discounts.. Be sure to ask your local agent or auto insurance company about any available discounts that they may have. Some of the top discounts include rate reductions for a safe driving record, driving less than 8,000 miles/year, having a preferred occupation, and even good grades for students. The bottom line is if you forget to ask you could miss out on some sizeable savings opportunities.
2.Consider Raising Your Deductible. When you raise your deductibles you are essentially taking on more risk. For those unfamiliar with what a deductible is, it is the money you will pay out of pocket before your insurance coverage kicks in. When you raise your deductible the insurance carriers will decrease your auto insurance rate. Just be sure you have the additional money set aside in the event of a loss.
3.Choose your car wisely! The overall price of your Rochester car insurance policy can be greatly affected by the type of vehicle you drive. The next time you are ready to purchase a new vehicle be sure to narrow down your selection and then call your insurance agent. By the time you factor in the cost of insurance one vehicle may be a better deal than another.
4.Drive safely. If you are the type of driver that likes to put the pedal to the metal then you will likely pay higher Rochester auto insurance rates. Your driving history is the 1 factor used to calculate your rates. The more tickets and accidents you have on your motor vehicle record, the more you will pay. Tickets and accidents are often counted against you for up to 5 years.
5.Know your credit score. At this point all major insurance companies are using your credit history as a factor in your rate calculation. While credit is only one criteria used, it is safe to say that the better your credit is the lower your rate will be. Because some companies look more closely at credit than others, it pays to compare rates from multiple insurance carriers.
6.Work with an independent insurance agency. The core benefit of working with an independent insurance agency is the fact that they represent mulitple insurance companies opposed to just one. As a result they can impartially shop the competition on your behalf to uncover the lowest rate.