Keeping Car Insurance Affordable

If you’re just starting out, chances are you’re also shopping for car insurance. Depending on your age, location, driving habits, and vehicle type, your premium may carry a hefty price tag. It makes good sense to keep your insurance rates as affordable as possible while providing the coverage you need. Here are some ways to keep your premium manageable:

Happy woman with auto insurance

Good Driver Discounts: Good driving habits can pay off in various Good Driver programs and discounts. Keeping your driving record free of accidents and tickets will pay dividends.

Loyalty: If you stay with the same insurance carrier for a long time, you could be rewarded with Loyalty or Good Customer discounts. While it may be tempting to “insurance hop” in search of lower premiums, most insurance carriers will reward your long-term loyalty by offering a discount.

Your Car: If you’re also shopping for your first car, it may be tempting to go for the most car you can buy. In some cases, your dream car can be a nightmare to insure though, especially if it is a make and model that’s popular with car thieves. Check with your insurance agents while car shopping. They are familiar with the theft statistics of vehicle makes and models.

At the same time, you could receive an additional discount if you choose to have anti-theft devices such as a LoJack installed in your car, either at the time of purchase or as an after-market feature.

Your Deductible: Your deductible is the amount you will need to pay out of pocket to cover repairs associated with a claim. Once the deductible is met, your insurance coverage will kick in and cover the cost of repairs. The higher the deductible, the lower your premium payments will be. Your insurance agent can help you in reviewing your options.

Your Level of Coverage: your level of coverage also influences your premium. If you opt for bare-bones coverage, your premium will be lower. If you elect to have full coverage, either by choice or as mandated by your state or auto lender, your premium will be higher.

Your Insurance Carrier: Different auto insurance companies will offer different rates. We partner with several reputable insurance carriers, so you’ll have a wide selection of coverage levels and rates.

Purchasing an auto insurance policy is a significant transaction. Insufficient coverage can leave you vulnerable to financial losses beyond damage to your vehicle. At the same time, you could end up paying for excessive coverage you don’t need.

Our agents are trained to help customers just like you with their auto insurance needs. We partner with some of the best insurance carriers in the industry, all of whom can offer you affordable car insurance with a policy tailored to your needs and budget.

Give us a call today to get started. As an independent broker, we comparison-shop on your behalf. We will work with you to find the best auto insurance coverage at the best price. We take pride in our customers. Experience the Sorensen difference for yourself.