Ways to reduce your auto insurance

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We all know that auto insurance is required in most states when purchasing and driving a car. Having auto insurance protects you from the following losses: comprehensive/collision, liability, medical, and also can protect you from uninsured and underinsured motorists.

Auto insurance can range in cost from company to company and what your deductible is. Unfortunately, it doesn’t look like the cost of auto insurance will be lowering anytime soon. But fortunately, there are some things that can help when it comes to lowering your auto insurance!


Good Driving Record

This tip is pretty standard. We all know that having a good driving record can help lower your insurance costs. The less offenses you have on your record, the better!


Get your homeowners and auto insurance from the same insurer

This is something that we can help you with at Shields! We offer Personal Umbrella insurance. Umbrella insurance olicies provide additional limits of coverage over and above other liability policies. For example, your Personal Auto and Homeowners policies may have $300K limits.  If you want to carry $1M in total limits, then you may need to purchase an Umbrella. Limits should be selected based on your assets at stake and your income!


Keep a good credit record

A lot of insurance companies run your credit information when pricing policies. To maintain a good record be sure to pay your bills on time, keep your balances low, and don’t use more credit than needed. Be sure to check your credit score regularly and don’t be afraid to reach out to your credit card company if you see an issue.


Lower your mileage

When going through the steps of purchasing insurance, you’ll be asked a range of questions to help your insurance company determine how much coverage you need. One of these questions might include how many miles you will be driving the car you’re looking at insuring. If you’re going to be driving often for work, you might end up paying more in insurance premiums than someone that has a short commute. Using public transit or carpooling system can help you lower your mileage.


Have any other questions about personal auto insurance? Feel free to contact Shields Insurance Agency today at (205) 783-5893 or visit https://shields-insurance.com/home/personal-insurance-solutions/personal-auto-policy/




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