You May Be Able to Bring Down Your Auto Insurance Rate
If you have a less-than-stellar driving history, then you can expect to pay more, sometimes significantly more, on monthly auto insurance premiums than a driver who has a clean record. This is because auto insurance companies use past driving behavior to predict future behavior and determine how much of a risk you are to insure. While in many cases you simply have to let some time pass for infractions to fall off your record, there may be a few things you can do now to lower your rate.
Address Issues Quickly
If you’ve gotten pulled over for a broken tail light or because you forgot to renew your vehicle registration, then you may have received a traffic violation called a “fix-it ticket.” In most cases, these violations have a deadline attached. If you pay the fee or fine and show the court that you corrected the problem, then your case will be dismissed. As long as you take care of these “fix-it tickets” quickly, then they won’t go on your driving record. However, if you don’t take care of them in a timely manner, then they will likely end up on your record and drive up your monthly premium.
Take a Driver’s Safety Course
Many auto insurance companies provide an incentive for taking a defensive driving course in the form of a discount on your monthly premium. In some cases, attending traffic school may allow you to keep infractions that are moving violations off your record. However, it’s important to ensure that the safety course you take is approved by local motor vehicles department.
If received a ticket when you were speeding due to extenuating circumstances, then you may consider contesting the ticket. Explaining to a judge the reasonable context behind your ticket, such as a medical emergency, may be enough for your ticket fine to be reduced or for the infraction to be removed altogether. This can prevent the ticket from going on your record and may end up being the difference between an affordable auto insurance rate and a high one.
Build Good Driving Habits
While your driving record may not be perfect, if it’s been a long time since your last infraction, then you may be able to have driving point violations removed from your record. Your local DMV can help you determine whether this may be an option for you.
Work On Getting a Higher Credit Score
Drivers with higher credit scores generally get lower insurance premiums.
Run Auto Insurance Quotes Under Both Spouses Names
Believe it or not, running quotes under both spouses names may net a lower rate under one of the spouses.
Don’t Always Go With State Minimum Coverage
If you always insure your vehicles for State Minimum (Currently 25/50/20), that is considered a higher risk to insurance companies. If you carry higher limits (ex: 250/500/100), you are considered a lower risk. Lower risks get better rates.
Getting Affordable Auto Insurance Coverage with Nevada Insurance Enrollment
A bad driving record doesn’t have to ruin your chances of getting affordable, quality auto insurance coverage. In addition to following these steps, talk to an auto insurance agent from Nevada Insurance Enrollment. Our auto insurance agents specialize in helping drivers find the best coverage at the best price available to them. We can help you find the right auto insurance provider and determine which discounts you qualify for to get an affordable rate without sacrificing quality coverage. Contact us today to speak with an experienced auto insurance agent.
Read More: Auto Insurance in Las Vegas, Nevada
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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation. You should consult your policy for exclusions or other language that may alter your policy.