Understanding Renter's Insurance Plans Understanding Renter's Insurance Plans

Has a string of bad luck on the road resulted in a higher insurance premium? If so, know that it's not going to be stuck at that price forever. Here are some ways to reduce those high insurance premiums that you are currently paying.

Fight Your Ticket In Court

It's always a good idea to fight a traffic ticket in court, since the worst case scenario is that the ticket remains the same as it did before. What is likely to happen is the judge will reduce the severity of the ticket after hearing your case.

For example, you may have been going 10 mph over the posted speed limit, and the judge will reduce it to 1 mph over. This makes the offense not as bad in the eyes of your insurance company, and result in paying a more affordable fine.

In some situations, the officer may not show up to court. This will result in you automatically winning your case because the ticket is thrown out. The insurance company will see it as if you were not guilty of the violation, resulting in a cheaper premium.

Ask Your Insurance Company For Forgiveness

It never hurts to ask to have your premiums reduced by asking for forgiveness. Once again, the worst that can happen is that there's no change and your premiums remain the same. Some insurance companies offer accident forgiveness programs, which you can use if you have your first accident. Make sure you are actually taking advantage of those policies by talking to an agent.

Take Driving Classes

Another way to reduce premiums is by taking defensive driving classes. Check with your insurance company to find out if they will count these classes as a way that you are improving your driving skills. While the course could cost some money up front, you may find that you save more over the years in reduced premiums.

Track Your Driving

Your auto insurance company may offer a safe driving discount for allowing them to monitor your driving. It not only logs the time and day that you are on the road, but can track how fast you accelerate and brake. If you are already a good driver, this means that you could be rewarded with a lower premium for driving just like you always have. After all, being a responsible driver is what will keep you safe on the road.