5 Ways You Can Get Lower Car Insurance Cost In 2022

​The rising cost of auto insurance is a concern for many drivers. Insurance companies are looking to increase rates, and the only way to combat this is to shop around for better deals. There are a few different ways you can lower your car insurance rates without sacrificing protection.

1. Consider taking a defensive driving course.
   Another simple option to reduce your auto insurance expenses is to make a one-time commitment for a multi-year premium reduction. Many insurance companies provide discounts to drivers who complete a defensive driving course that has been authorized. 
   
   This can be a useful approach for drivers who have been in an accident to minimize the number of points on their license, as well as for drivers with a clean driving record to lower their rates.
   
   
2. Get the best discounts.
   You can get the best discounts by having great credit. This provides you with the lowest car insurance rates from insurers. The best deals are for new drivers, those with 20,000 miles or less on the odometer, or drivers with a clean record. 
   
   It would be best to take advantage of new state laws that allow you to save money by using your new insurance on a rental car for up to six months. 
   
   
3. Add safety features to your car.
   Your car insurance premiums are probably lower if you're in a safer car. Insurers may adjust their premiums based on age, make, model, and several other factors. If you're a new driver and already have a safe car, you can probably drive away at a lower rate.
   
   
4. Keep good driving records.
   You may be able to lower your car insurance rate by keeping a clean driving record. Driving cautiously and paying close attention to road signs and the traffic around you will help you be a better driver. Do not spend time on your phone or too much time fiddling with your radio. Taking your eyes off the road makes you significantly more likely to get in an accident.
   
   
5. Holiday Discounts
   Insurance companies will sometimes offer discounts during certain months, like around Thanksgiving and Christmas, to offer better rates to those that will be traveling for the holidays. Check with our agents to see if you qualify for any discounts!

At Desmond Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (859) 491-5100 or Click Here to request a free quote.