Tips To Lower Your Car Insurance from Your North Carolina Toyota Dealer

Apr 27, 2012

If you have found that your car insurance premium has skyrocketed there are steps you can take to find a better rate. Don’t just pay the new premium. Instead, use the following tips from your Mint Hill North Carolina Toyota dealer to see if you can get a better rate.

Shop Around

First, don’t feel you need to stay with the company you are with. Take the time to shop around, making sure you compare the same coverage with several reputable companies. More than likely you are going to find a better package elsewhere.

Look For Group Discounts

Next, determine if you belong to any groups that offer a group discount through a particular insurance company. Check with your work, your local credit union and any other organizations you may belong to.

Check Your Credit Report

Check your credit. Today insurance companies are using your credit score to help determine your rate. Do everything you can to improve your score in order to cut your premium.

Up Your Deductible

While a lower deductible is nice if you need to put in an insurance claim it is not always a financially smart move. In most cases your higher insurance premium will outweigh your smaller deductible.

Take A Defensive Driving Course

Finally, consider taking a defensive driving course. Once you complete a defensive driving course most insurance companies will give you a discount on your insurance premium. Make sure you check with your insurance company prior to registering for a course to make sure it will qualify for the discount.