Life happens, and when it does your car insurance rates could go up as a result. There are things you can do to make them go down as well. The Hanneken Insurance Agency Inc. of Little Falls, MN can help you sort out your rates, and help you find ways to make your cost lower.
Insurance companies often check your driving record when it is time to renew. If there are speeding tickets or other moving violations, your rates could go up. More serious matters like a DWI will certainly make your rates increase. Minor incidents will go away eventually, but repeated offenses, like repeated speeding tickets, will only make matter worse. Other criminal activity, non-driving related, could also increase your rates.
If you are at fault in an automobile accident, that could also make your rates go up. Filing any kind of claim can increase your rates. Also buying a more expensive car, or a more high-performance car could also make your rates go up. As people get older their rates may go up. If your credit score declines, or if you move, are also factors.
On the other side, a good driving record can help keep your rates down. If you have teenagers, their rates may go down if they complete a safe driving course. Adding safety features to your car also helps and choosing a car that is not a sports or luxury vehicle will also help. Generally avoiding things that make your rates go up is the best strategy for keeping rates as low as possible.
Call or visit the Hanneken Insurance Agency Inc. today in Little Falls, MN to get the best insurance rates on your car. We are here to answer your questions and help you get the best policy for your situation.