For many people, driving is a necessity to get to work and school or run errands. Finding affordable car insurance doesn’t have to be difficult, either. As the team at Bob Shropshire Bail Bonds in Cincinnati, OH, notes, there are certain steps you can take to lower your premium.

The following tricks are some of the best ways to find low-cost coverage:

• Improve Your Credit: Believe it or not, your credit score can have a direct impact on your auto insurance rates. This is in part because research has found that people with higher credit scores tend to file fewer claims—and, as a result, insurers are more willing to offer a lower premium rate. Do everything you can to maintain a strong credit history, and check your record from time to time to fix any discrepancies. 
• Find Discounts: Insurers offer a broad range of discounts to drivers, and by discovering ones you qualify for, you can tap into significant savings. Among the most common discounts are those for individuals who have completed defensive driving classes, who haven’t caused any accidents or received a ticket during a set period, or who drive less than the average person. Some insurers even allow you to combine auto insurance with another policy for an additional discount.
• Look at Your Car: If you drive an older vehicle, it’s worth reevaluating your policy from time to time to make sure your coverage is cost effective. Some drivers end up paying a premium that is worth more than the value of their car. Researching your car’s selling price and determining if you should reduce your coverage could ultimately leave more money in your pocket.

For affordable car insurance, you can turn to the bonded insurance providers at Bob Shropshire Bail Bonds. To learn more about how they can help with your coverage needs, visit them online or call (513) 721-3915.