Having a solid auto insurance policy in place is a must. However, it’s often difficult to find comprehensive coverage at a price you can afford. Rather than skimp on any necessary protections, there are several ways to lower your rates. From available discounts to smart purchases on vehicles, below are a few key ways you can save while still having the peace of mind afforded by a quality plan. 

A Guide to Scoring Prime Auto Insurance Rates

Look for Discounts

Many insurance companies offer discounts to drivers under certain circumstances. For instance, if you haven’t had any accidents for several years, the clean record may earn you a significant reduction in coverage fees. Special prices are also available for those who take a driving class, have anti-theft technology in place, and purchase auto and home policies from the same company as a bundle deal.

Request a Higher Deductible

As deductibles rise, auto insurance rates decrease. The higher the deductible, the greater the cost savings; for instance, a deductible of $1,000 can result in a 40% discount. However, if you are involved in an accident and need to make a claim, you’ll need to pay more money in the process. This tip is most useful to safe and cautious drivers.

Choose the Right Vehicle

Some automobiles incur higher insurance rates than others. If you are buying a new vehicle, inquire about the coverage before making a purchase. Typically, cars with more safety features are less costly to insure as they aren’t associated with high-risk driving. Opt for the prudent choice, rather than the flashy one.

If you need reasonably priced auto insurance in Dumas, TX, turn to the team at CIS Insurance for policies that meet your needs and budget. As an independent agency, they offer a broad range of options, so you can find a plan that’s right for you. Call (806) 935-6512 today to speak with a representative and schedule an appointment, or use the convenient online contact form.