What are the best ways to keep my car insurance rates down?

Many customers think their insurance rates are out of their control. While it’s true that rates are determined by an array of factors including your driving record, your credit score, and the collective accident rates in your geographical area, there are some actions you can take to keep your rates down or maybe even lower your rates all together as we will show. First, working with an independent agency like Capital Gate Insurance is important to effectively help in this process. One of the biggest reasons CAPITAL GATE INSURANCE customers favor working with us over any another insurance company is simply because we represent you directly, and only your best interest. Commonly other agencies only represent the best interest of their own insurance companies and the profits they stand to make! Hire a trusted name and let Capital Gate get your rates down today.

So if you ask “How can I lower my auto insurance rates now?” Let’s look at the following steps!

First, the fastest fix is to tweak your deductible. Do you have a great driving record? Do you keep it that way because you are the safest driver you know? Then consider raising your deductible. Your deductible is the amount you are responsible to pay in the event of an accident or claim in which you are at fault. Capital Gate can certainly provide different options from say raising your deductible from $500.00 to $1,000.00 and help you make the decision for your situation. If you are confident you won’t be the cause of an accident and you can comfortably raise your deductible, this will absolutely lower your insurance premium. Keep in mind, however, that there is some risk attached; the higher your deductible, the more you will be responsible for in the event of a claim. Sometimes it’s all about keeping your rates low, and we know that all too well! Capital Gate licensed agents not only review your policy initially, but more importantly, we will review and shop your policy at renewal to continuously save you money year after year!

Car maintenance for lower insurance rates may also play a role.

How does car maintenance help lower my insurance rates? Adopt some of these habits to reduce your risk of accidents, to spend less on gas, and potentially earn savings on your insurance auto insurance policy:

• Choose a car with safety features like daytime running lights, airbags and anti-theft devices. Most insurance companies offer discounts for these features.
• Keep your tires properly inflated. This will improve your gas mileage and reduce the risk of a dangerous and expensive blowout. Many newer vehicles have digital tire pressure monitoring systems.
• Drive carefully: keep at or below the speed limit and avoid sudden stops and maneuvers to apply safe driving practices that will reduce the risk of accidents; not to mention limiting the wear and tear on your vehicle.

So if you’re not satisfied with your auto insurance rates or your current agency, call the professionals at Capital Gate Insurance! These are just a few ways you can make sure you’re getting the most bang for your insurance buck. The odds are Capital Gate can find other DISCOUNTS for you and additional ways for you to save money. Call (518) 389-2610 or click today. We’ll shop your policy to make sure we get you the best coverage and help you lower your insurance rates now, and in the future.