Everyone wants to know how to get cheap car insurance. “Cheap car insurance” doesn’t necessarily exist, but there are ways to help get cheaper car insurance. First, let’s talk about the factors that affect your auto insurance.

1. Good Credit

A good credit history can help your insurance score and, in turn, decrease your premium.

2. Clean Driving Record

No moving violations and no accidents.

3. Location

If you live in an area high in auto claims, you can expect to pay higher premiums.

4. Auto Insurance Coverage Duration

How long have you had continuous auto insurance? The length of time you’ve been with your current carrier can affect your car insurance rate. Carriers love when you show longevity with a carrier, because it proves responsibility on keeping your insurance up to date.

So, how do you get cheaper car insurance rates?

Shop around. Shop carriers every renewal. Being loyal to one carrier for too long can mean missing out on new discounts as their products have changed over the years. We have found that switching carriers after 2+ years of continuous insurance resulted in great deals!

Insurance Integrity. If you carry just state minimum insurance, it could be costing you in the long run. Carriers like to see you with higher limits of liability. So, if just starting out and you are carrying lower limits, be sure to change them in the future to help keep rates low over time.

Pay on time. Yes, insurance carriers give you time to pay by state laws, BUT they are monitoring your payment behavior. There are now “Good Payer” discounts so if you aren’t paying on time or before time, it CAN affect future rates.

Need more information on auto insurance or want to request a quote today? Call William Penn Insurance at 717-900-8658 or email WilliamPennInsurance@gmail.com. William Penn Insurance is a licensed independent agency serving renters in Pennsylvania, Louisiana and Maryland.