What can I do to reduce the cost of my car insurance?

I'm paying $250 a month for insurance right now. I have tickets and accidents on my record, but they are from two years ago. Is there anything I can do to reduce my rate?

“There are a few things you can do to reduce the cost of your car insurance. First, you should reach out to your insurance company to see whether you qualify for any additional discounts.
If you haven’t had any accidents or tickets in the last year, you can benefit from enrolling in a driving behavior program. Insurance companies track your driving through an app or plugin device for a specified amount of time. From there, they offer a discount based on your driving style.
You can also look at how you pay for your insurance. Companies often offer discounts for paying in full every six or twelve months. You may get a lower rate by opting for monthly payments through electronic funds transfer instead of a credit card as well.
Since drivers with clean records often have better insurance rates, you should see your rate decrease as your tickets and accidents age. Tickets and accidents tend to stay on your record for three to five years. As long as you maintain a clean record, your rate should decrease.
Finally, you’ll also want to shop around. By comparing rates with multiple companies, you should be able to find more affordable car insurance. Every company rates policies and risks differently, so you may be able to find a lower rate elsewhere.”
Emily Maracle
Answered on Sep 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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