Tips for reducing your auto insurance rates.

Consider the following:

• • Be a comparison shopper – Shop around with different companies; you may be surprised at the differences in costs.
  • Raise your deductible – This lowers the cost of your premiums. But be mindful that you will pay a higher amount in the event of a claim.
  • Limit your claims – Your claim history may affect your premium cost.
  • Decrease your risk of loss – Don’t leave valuables in the car.
  • Lock your car doors and never leave your car running while unattended.

• Ask about discounts – For example, install anti-theft devices or attend driver’s education classes. Many companies will offer a discount if you have your auto and homeowners (or renters) insurance with them.
• Annually review your policy limits and the value of the vehicle(s) you have insured.
• Check out rates before buying a car – Consider buying a low profile or family car instead of a high-performance vehicle.
• Review your credit report – Most companies consider your credit history when determining premiums.

Source: Kentucky Public Protection Cabinet/ Department of Insurance