When to Find a New Auto Insurance Agency

Auto Insurance Agency San Diego

If you are like most consumers, you only think about switching your auto insurance when you purchase your next vehicle. While it is true that much of the cost depends on the make and model of the car you drive, other factors are used by San Diego car insurance providers to place you into a risk category. Changes in your lifestyle, an increase in your assets, or the addition of teen drivers to your policy can affect your rates, either positively or negatively.

Reviewing your current policy limitations from time to time is always a good idea, and comparing rates from competitors at least once a year is advised. Here are some reasons you may want to check and see if another provider is offering better insurance for the same – or lower – rate than you currently enjoy.

1. A More Favorable Credit Score

If you have been managing your credit wisely and have significantly improved your credit score, you may be entitled to lower premium rates. Insurance providers now take credit scores into consideration because statistics indicate that vehicle owners who manage their money responsibly also tend to be more responsible behind the wheel.

2. Home Ownership

Your current insurance provider may not offer an attractive discount if you bundle your San Diego homeowner’s insurance with auto coverage. However, this discount can be significant if you choose the right insurance agency. If you have recently purchased your first home, it is wise to ask your agent about a multi-policy discount.

3. Adding Teen Drivers

Insuring teenage drivers is something all parents dread. The rates are very high even when the teen has completed a driver education course. It makes good financial sense to obtain a new policy that adds your son or daughter to your own policy. This is always cheaper than buying the teen a separate policy.

4. Commuting Fewer Miles

Many insurance agencies offer a good discount for those who commute less than 25 miles per day or drive less than 12,000 miles per year. Ask if the provider offers an installed driving computation device or can record your driving habits using a specialized app. Choose a agency that rewards below-average mileage.

For more information about how to enjoy cheap San Diego auto insurance, call 619-272-2100 and speak with an experienced auto insurance agent from American Tri-Star. We are San Diego’s trusted, local choice for auto insurance and can help you get the low rates you need and deserve!