Auto insurance rates are something which keeps changing with time. It depends a lot on the prevailing economic situation. If the economy is good, then people will spend more. And if people spend more, they are obviously going to buy more cars. And with an increase in the number of cars on the road, you will naturally see an increase in the demand for auto insurance. This will automatically drive the auto insurance rates through the roof, its all about demand and supply.
So how can you keep your auto insurance rates down?
All it takes is a few simple steps. If you follow them to the dot, you should be able to keep a check on the insurance premium that you are going to be paying every quarter.
Ensure that you have a good driving record. A driving record is something that is maintained by the DMV or department of motor vehicles. This records all your traffic infractions and citations. This is an easy way to analyze what sort of driver you are. If you have a lot of traffic violations to your name that will mean that you have not been careful with your driving. It could also mean that you are extremely unlucky. But this is not the case in most situations.
Make sure you do not get caught for drunken driving. In short, make sure you do not drink and drive. Driving under the influence is a sure fire way of sending your insurance bills through the roof. And what’s more you could get your license suspended and could even get a jail sentence for serious violations. Keep a check on the alcohol levels in your body and always have a designated driver who can drive you all home from the party. It is important to choose such a driver before the party begins. And if your kid is going to a party, you should offer to drive them to and from the said place. This way you can keep a check on what goes on and also you can ensure you do not pay a lot in the name of insurance premium every year.
Also make sure you do not get a costly car. This will drive the rates up. Its better to go for a commuter vehicle with good safety features which will be easy to insure and also cheap. The insurance companies love these sorts of cars which are safe and reliable.
And also try enrolling in a defensive driving class. This will help you get better at driving and will make you concentrate better on the road. This is necessary in order to be able to predict what might be the outcome of certain actions on the road. It not only improves your driving, it will also help the insurance company understand that you are serious about safe and responsible driving. This is important if you want a good deal on your policy. All they want to know is that you are reliable and that you will not meet with an accident. You have to ensure that you give them sufficient reason to believe so. Make sure you use all your negotiating skills to drive home the point that you are serious about safe driving and that you are not going to meet with an accident.