Practice good driving habits
Although it
varies by state, driving infractions can add up to $730 in rate increases per
year on your policy. Practicing good driving habits and having a clear driving
record is probably the most simple and self-explanatory way to improve your
insurance premium. If you have gotten several speeding tickets and had an
accident or two, you have probably already seen your rate increase or expect a
higher premium at your next renewal.
Some states
offer defensive driver courses that can limit the number of points against your
license and if the course is approved by your insurance company, you may be
able to lower your premium. Additionally, some companies offer accident
forgiveness plans that would keep your auto insurance from going up in the
event of one accident.
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