Contrary to popular belief, auto insurance rates are not set in stone. There are a variety of factors that go into determining how much your premium payment will be. While some of these can’t be changed, such as your age and gender, there are plenty of others that can be amended in your favor. This means there are many ways to save on your insurance bill. The professionals at Kramer-Myers & Werring-Dickerson Insurance are committed to helping residents in Batavia, OH, find the best deal on coverage without compromising on quality.

Below, they suggest a few strategies for reducing your auto insurance premium:

• Maintain a Safe Driving Record: Safe drivers are generally awarded better insurance rates. The less driving infractions you occur from speeding, accidents, and other types of moving violations, the more affordable you can expect your premium to be.
• Choose Higher Deductibles: Your deductible is the amount you pay out of pocket when you make a claim before your auto insurance will pay for the rest. Figure out how much you can comfortably afford to spend should the situation arise because the higher you set your deductible, the lower your premium will go.

• Bundle Your Insurance Policies: Many insurance providers offer discounts to customers who buy more than one policy from them. To take advantage of this, group any policies you need, like your auto and home insurance, under a single company.  
• Improve Your Credit Score: Insurance companies look at your credit score as an indication of how likely you are to make a claim. Typically, drivers with higher credit scores are considered a lower risk. If your credit needs some work, start making an effort to improve it and report any discrepancies you notice on your report.
• Ask Your Agent About Other Ways to Save: There are usually a number of additional opportunities to cut back on insurance expenses. Discounts may be given for factors like driving a safe car, taking a driver safety course, maintaining low mileage, and working in a certain profession. Consult with your agent to see if you qualify for any of these savings.

Using these tips, you can save a lot on auto insurance each year and still have peace of mind that you’re adequately protected. Contact Kramer-Myers & Werring-Dickerson Insurance at (513) 732-1461 or visit them online to request an auto insurance quote. You can also find the team on Facebook.