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Get a Great Deal on Car Insurance with Loya Insurance
Many drivers assume that car insurance rates are mostly the same, and finding a great deal is nearly impossible. However, if you’ve been with the same insurer for years without shopping around, chances are you’re overpaying. The truth is, several key factors influence the cost of your premium—and knowing how to optimize them can help you save significantly.
Top 5 Ways to Get Better Car Insurance Rates
- Maintain a Clean Driving Record
Insurance companies reward safe drivers. A clean driving record with no accidents, DUIs, or moving violations typically results in lower premiums. On the flip side, offenses like reckless driving or multiple citations can lead to policy cancellation or rate hikes.
Minor infractions like not wearing a seatbelt or failing to use a turn signal usually won’t affect your rates. However, if you receive a ticket for speeding or running a red light, consider attending traffic school to keep points off your record. The best way to secure affordable car insurance rates is to be a responsible driver.
- Location Matters—Rural Residents Save More
Insurance costs are often lower in rural areas due to reduced traffic and fewer accidents. If you live even 10 to 20 miles outside a major city, you could save hundreds each year on your policy. Just be cautious of regions with high auto theft rates like California’s Central Valley or parts of New Jersey.
States in the Midwest, such as Wisconsin, Nebraska, and Iowa, typically offer the lowest average insurance premiums. If relocating isn’t an option, you can still cut costs by installing anti-theft devices, parking in a garage, or qualifying for a low-mileage discount.
- Keep Your Credit Score Healthy
Your credit score plays a major role in your insurance rates. A higher credit score signals financial responsibility, often resulting in lower premiums. Poor credit can not only increase your rates but may also require paying your full premium up front.
To avoid this, pay your bills on time, keep balances low, and check your credit report regularly for accuracy. A strong credit score will also help you get better auto loan terms and other financial perks.
- Be Cautious When Adding Teen Drivers
Adding a teen to your policy can significantly increase your rates. If your child just turned 16, consider waiting until they gain more driving experience or clean up any points on their record.
Due to high rates of distracted driving among teens, insurers have raised premiums for this age group. If you must insure your teen, Loya Insurance offers some of the most competitive rates for young drivers in the U.S.
- Compare Quotes and Ask About Discounts
Take the time to request multiple auto insurance quotes from both large and smaller regional carriers. Often, lesser-known companies offer more affordable pricing and excellent customer service.
Ask about available discounts for military service, student status, safe driving, bundling policies, and more. If you find a better deal, give your current insurer a chance to match it. If they won’t, don’t hesitate to switch and start saving.
Why Choose Loya Insurance?
Loya Insurance offers affordable coverage for cars, motorcycles, and more—with a wide range of discounts for nearly every type of driver. Visit our site today to compare plans and discover how easy it is to save up to $575 in just minutes.