If you thought there was a way you could reduce your car insurance premiums through your personal choices and decisions would you do it?  Most consumers are always looking for ways to save and that includes on their auto insurance.  There are many lifestyle and occupation changes you can consider making. We’ve compiled a list of  12 things you can do or may want to consider in order to lower your premiums. Not all of them are practical for all people and some of them may not be feasible for your life situation, however implementing even several of these changes can help you save.  driving
1.  Be a safe driver and maintain a good driving record. Traffic violations add points to your driving record, which are reflected in increased car insurance rates. The cost of auto insurance can vary by hundreds of dollars annually for two people of the same age and gender, based on driving records.
2.  Contest a speeding ticket if there is any reason you feel it was unfair. For example, if the speed limit sign is obscured by trees, or there is a very dramatic speed reduction in a short period of time, it might be worth taking this information to court. Be sure to take photos of anything that might help.
3.  Find out if your state lets you erase a traffic ticket. Some states allow you to erase a ticket, such as a speeding violation, from your record by going to traffic school.
4.  Drive less and let your insurance agent know. The fewer miles you drive annually, the more affordable your car insurance will be. If you begin working one day each week from home, that will reduce the number of miles you are driving annually.
5.  Park in a garage. Insurance companies often view this is a safety measure worth a discount. A vehicle parked inside a closed garage is less vulnerable to theft and storm damage.
6.  Get married and stay married. Insurance is all about the numbers. Some insurance companies add in marriage as a factor in their insurance calculations because married people are statistically more averse to risk.
7.  Move to a safer neighborhood. Cars in urban neighborhoods are statistically more likely to be the subject of car-jacking, accidents and vandalism than those in the suburbs.
8.  Live in an area that is known to have less expensive auto insurance. Rates are often higher in areas where there is more litigation due to car accidents, higher auto repair costs and higher medical costs.
9.  Choose a low-risk occupation. While changing your occupation may be an extreme way to get lower cost car insurance, it’s not a bad idea to think about your career plans when the opportunity arises. Engineers, for example, pay less for their auto insurance than many other types of professions because they are a statistically safer bunch.
10.  Don’t drive for a living. Again, the more you drive, the higher your risk of getting into an accident and the higher your car insurance costs. If you are a truck driver who is at a career cross roads, choosing the office job will help reduce your premiums.
11.  Maintain a good credit record. Many insurers use credit as a factor because, statistically, people who are responsible with money are more “risk averse.” This means they are less likely to gun it at the stop light, or swerve recklessly through traffic to get a few cars ahead on the freeway. Therefore, good credit can equal lower premiums.
12.  Install a driver monitoring device. For example, you can get an electronic device that measures the amount of miles you drive, or how aggressively you drive. If you are in a high risk category, in particular, proving to your insurance company that you are a safe, careful and responsible driver, can potentially help you lower your premium.
There are certain life style factors you can’t change, including your age and gender. Experienced, middle-aged drivers pay less than teens. Women pay less than men. But maintaining your good driving record and adjusting as many variables in your favor as possible can make up the difference.  Make sure that if you do make lifestyle changes in order to improve your insurance rates, you share that information with our agency so we can make adjustments to your policy. As always, please call our office if we can assist you or answer any other questions you may have or to discuss other ways we can help you reduce your auto insurance premiums.