One of the best ways to lower your auto insurance cost in Ft. Worth, TX is to have a good driving record, but there can also be other things to do to lower your premium.
Consider Your Vehicle: Before you purchase a used or new car, look into the insurance cost. Insurance premiums factor in the cost to repair it, the likelihood of theft, and the overall safety record. You may also get discounts for features that can reduce theft or risk of injury.
Ask for a Higher Deductible: A deductible is what you pay when you file a claim before your insurance kicks in. A higher deductible can lower your premium. Keep in mind you will have to pay your deductible if you use the insurance, so it should still be something you can afford.
Lower Coverage on Older Cars: You may want to drop collision and comprehensive coverage on older cars. If the car is worth less than 10 times the premium, the coverage may not be effective. You can look up the value of your car online and be sure to review your coverage to make sure your needs haven’t changed.
Multiple Policy Discounts: Ask your agent at Main Street Independent Insurance Agencies Inc. if getting your home and auto coverage together can give you a break.
Have a Good Credit Record: A solid credit history can help reduce your insurance cost. Many insurers use credit information to price out policies. Studies show that those who do a better job at maintaining their credit have lower claims. To help your credit score, pay bills on time and keep your balances low.
Low Mileage Discounts: See if you can get a low mileage discount if you drive fewer than the average number of miles per year.
Contact Main Street Independent Insurance Agencies Inc. serving Ft. Worth, TX, to get a quote on auto insurance.