car insurance

These tips can help keep car insurance costs down.

We all know it can be tough to get the best deal on car insurance. And in many places rates are on the rise.

But there are still some common sense ways to keep your costs under control. Here are some tips you can follow when choosing car insurance.

Don’t do it on your own

Yes, it can help to have a great agent like the ones at Seeman Holtz Property & Casualty. But you’ll also want to tap into your network.

According to Insurance Information Institute: “Don’t shop by price alone. Ask friends and relatives for their recommendations. Contact your state insurance department to find out whether they provide information on consumer complaints by company. Pick an agent or company representative that takes the time to answer your questions.”

Consider combining homeowners and auto insurance

One place savings can be had is by combining car insurance and homeowners insurance.

The Insurance Institute writes, “Many insurers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers.”

Credit counts

It may seem like paying your bills on time wouldn’t have much to do with auto insurance rates. But it does.

“Establishing a solid credit history can cut your insurance costs. Most insurers use credit information to price auto insurance policies. Research shows that people who effectively manage their credit have fewer claims. To protect your credit standing, pay your bills on time, don’t obtain more credit than you need and keep your credit balances as low as possible,” writes the Insurance Institute.

You can get discounts for driving less

The less you drive, the less you may have to pay. Be sure and check on low mileage discounts. You can also get discounts if you carpool to work.