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Auto insurance is a necessity for drivers, but many people may be paying more than they have to. Instead of grumbling when the monthly bill is due, take sensible steps to lower your premiums. The Randleman, NC-based MP Davis Insurance Agency continues to provide residents throughout the Piedmont-Tri area with affordable coverage designed for their needs. Part of that commitment includes helping clients keep their payments as low as possible.

4 Tricks to Reduce Auto Insurance Premiums

1. Compare Rates

While it pays to shop around for the best rates, searching can be overwhelming. Partnering with an independent insurance agency helps speed up the process, as agents can compare pricing from several national providers. Because they aren't linked to just one provider, clients are more likely to get the best coverage for their money.

auto insurance2. Maintain Good Driving Habits

Drivers who avoid traffic infractions and accidents will be rewarded with lower auto insurance premiums. Many carriers take a client's driving history into consideration before securing or renewing a policy. A blemish-free record is an asset for affordable plans.

3. Raise Your Deductible

If your budget can handle it, consider increasing the deductible on your existing policy. Doing so can potentially lower your annual premium payments by hundreds of dollars, depending on the auto insurance plan. Keep in mind a higher deductible means if you're involved in an accident, you'll have to pay that amount before the insurance provider picks up the rest of the expenses.

4. Pass a Defensive Driving Class

If you take and pass a defensive driving course, many insurance companies will reward you with lower premiums. The course must typically be approved by the carrier before enrolling, and written proof is required to show completion. Most classes can also be taken online, allowing you to fit it into your schedule more easily. 

Let the experienced and friendly team of agents at MP Davis Insurance Agency help you secure affordable coverage for your vehicle or motorcycle. For more than 40 years, they’ve been helping clients get the coverage they need. To get started, call (336) 498-7606 today for free, no-obligation auto insurance quotes. Visit the website for more information on policies to protect your home, business and much more.

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