Talking With Insurance Companies

When you buy a new auto insurance policy, you may have already spent time comparing coverage between companies. It's normal to have a lot of questions about what impacts your car insurance premium.

In fact, there are some interesting ways your monthly bill can be lowered. These are among the most unexpected ways people see a decrease in their bill.

Pay Off Credit Cards

Paying off your credit cards and lowering the balance you are using gives you a better credit score. When you have a better credit score, you look like somebody who pays their bills regularly. This tells an auto insurance company that you are a good candidate for a contract and that you can be trusted. As a result, you can pay less each month.

Improve Your Grades at School

If you are a student or have a student on your policy, improving grades can lead to better rates too. Many insurance companies will offer a percentage off a student's premium if they are able to maintain a good GPA. You can get transcripts from the school to provide verification for the insurance company.

Get Married

Many people, especially men, get a discount when they get married. If they get married, they are often perceived as being more responsible drivers. You could see a discount if you were a single man who is now married applying for a new policy this year.

Get Older

Often, the last thing to do is let time pass. Getting older means that you can often see your premium decrease, at least to a certain point. For example, men who are 21 or under may face the highest rates. Rates decrease with time if you have a good driving record.

Drive an Older Car

You might not want to sell your car if you have a new one you love, but if you are in the market to buy a car, you might consider looking at older options. Driving a car that is even five years old can be more affordable each month than buying a car that is one year old.

Speak With a Car Insurance Agent

One of the best things you can do is make a phone call. Speak with a car insurance agent to make sure that you have all the tools you need to have a reasonable monthly payment. One phone call and answering some questions can help you get the answers you need.