When you consult an auto insurance agency in Phoenix, AZ, they can help you find the best rates available for you. If you take the time to plan ahead, there are also steps you can take to ensure you’ll get lower quotes from the insurance companies you do consider. Taking the time to improve your driving record and credit report will help you pay less on your premiums from month to month.
Raise Your Credit
The first step you can take is to raise your credit score. This can be done simply by using a secured credit card to show a good repayment history. Don’t forget to pay all of your monthly bills on time as well. Creating a positive repayment pattern will establish you as a good risk, and that will encourage insurance companies to offer lower quotes.
Improve Your Driving Record
Take six to eight months to establish that you’re a good driver. In fact, establishing an even longer good driving history will help you get an even lower insurance rate. By going several months or years without getting ticketed or having accidents, you will show insurance companies that you won’t be submitting frequent claims.
Take a Defensive Driving Course
You should talk with an experienced auto insurance agency in Phoenix, AZ, about your interest in paying less for insurance. They can direct you towards reputable defensive driving schools that can help you get insurance discounts. Additionally, you may be able to knock a few points off your driving record by taking the course.