If your car insurance premium has gone up, it may be time to look around for a better deal. Many people pay through the roof for car insurance when they don’t need to. Here are the top 5 tips to help you find affordable car insurance from your Philadelphia Toyota dealer.
1) Check Your Credit: First, stay on top of your credit score. Today, insurance companies are using your score to assist in setting your rate. The better your credit and the higher your score, the more affordable your car insurance will be. If you have poor credit, improving your score could be key in securing a lower premium.
2) Don’t Pay for Coverage You Don’t Need: Many people do not bother to read their insurance policy and therefore end up paying for coverage that they do not need. Every time your policy renews you should carefully look at what you are paying for and have items removed that are not benefiting you. For example, if you are driving an older car you may want to remove your collision coverage.
3) Ask for Discounts: Don’t be afraid to ask for discounts. Most insurance companies offer a number of discounts that you may not be aware of. Check for multiple policy discounts, safe driving record discounts and discounts for taking a driver safety course.
4) Raise Your Deductible: If you are looking to lower your rate, raising your deductible is an option.
5) Shop Around: Finally, don’t be afraid to leave your current provider if you can find a better rate elsewhere. If you have not called around to compare rates recently you very likely could find a better rate through a different insurance company. Just make sure that you go with a reputable provider and agent.
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