Having been a Rutherford, NJ Ford dealer for so long, we’re recognized as a reliable source for information about many automotive topics. One of the subjects people often ask us about is auto insurance. More specifically, some drivers ask if we have any advice that can help them lower the cost of their coverage.

While there is no magic bullet that will automatically lower your insurance premiums, you can do a few things to try to make your coverage more affordable. The best thing you can do to lower the cost of your coverage is to maintain a clean driving record. Installing a monitoring device that will update your insurance company about your safe driving habits may lower your premiums even faster.

Just like you want to keep your driving record clear of any blemishes, you should do the same with your credit history. Studies show that motorists with higher credit scores are less likely to file insurance claims. Since they’re less likely to file claims, people with respectable credit scores are rewarded with lower auto insurance premiums.

Raising your deductible is an effective move to lower your car insurance premiums. Just be sure you only raise your deductible to an amount you can afford to pay out of pocket comfortably if you need to file a claim down the line.

Many insurance companies offer discounts that can reduce the cost of your coverage. Contact your insurance provider to see if you’re currently eligible for a discount and to inquire about what you need to do to qualify for a discount moving forward.

For more actionable advice that can help you lower the cost of our auto insurance, contact our Ford dealership near Newark, NJ or visit Quality Auto Mall to talk to our talented team today.