1- Shop shop shop
Shop all over. Make sure you don't ruin your credit score because when you pull your MVR and or credit score that can cause a hit on your credit. However you can get an idea of what your rates will be without pulling your credit score or your MVR. Ask your insurance agent to get you your insurance rates with their companies and not pull the MVR. If you're sure you don't have any tickets or accidents that will save you tons of time and your credit score from heart ache and pain. Most people don't realize they have to get their MVR pulled when they shop for insurance they also sometimes don't know it can run your credit score. 5 of these ins't bad but more that can potentially lower it a few points. Which wouldn't be the end of the world so go ahead and shop away!
Here are a list of the average premiums per company and something to keep in mind while shopping for the best pricing. One thing to take into consideration isn't just these prices because pricing can vary from state to state, but in general this is something to consider when shopping for car insurance.
Found on www.thezebra.com
A few other things to take into account as you shop is your age, your martial status, your address and and your past claims and accidents. These all play an important factor in your premium and will affect how your insurance score comes back on these companies quoting algorithms. Your driving score is one of the most important factor. If you have accidents and tickets that can be a key piece to your driving record and how you are seen by insurance companies. Your credit score. Ect. Some companies take these factors into account more than others. However they all follow a general system that will play key pieces in your premiums.
2- Go for quality not cheap pricing.
3- Look into different deductibles
Some companies will try and sell you lower deductibles to provide you with higher quality coverage. This can be more beneficial for sure, however if you're looking to save on your insurance and you're pretty good with prior accidents, meaning you're confident you won't get into an accident think about getting a different deductible than the standard $100. Many people go for $500 and even $1000 deductibles because they don't want to spend more on their insurance. Another option for individuals that have a cheaper vehicle, somewhere in the vicinity of $3500, is you can ad uninsured motorist property damage coverage to your vehicle. This is going to drastically lower your premiums and still carries $3500 of coverage on your car with a $250 deductible. This will cover your vehicle up to $3500 for non at fault accidents, however no coverage for at fault incidents like running into a pole or something like that.
If you get a ticket or have an accident that can drastically cause your premiums to go up. If you try to shop and have too many tickets not only will you have increased premiums but be on a non standard insured list which can be more expensive than you think. Very expensive. Avoid at all costs if you want to ever go shopping for insurance. Tickets in the state of Utah take 3 years to come off your record and accidents 5 years.
This is our list of things to avoid if you want to lower your premiums. There are tons more out there but here are just a few of things you can do to lower your premiums.
The Burkholz Insurance Agency specializes in home, auto, commercial real estate and truckers insurance. We have several locations accross the country and have multiple enterprises we go through to provide some of the best products for our customers. W have Bundling options, broker with multiple providers, good student discount, Broker in Las Vegas NV, 100% straight forward pricing, Best reputation in Las Vegas, NV. Contact us for a quote.