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Many people assume that their auto insurance rate is a static component of their monthly bills, never questioning how changes in their lifestyle can have a drastic effect on insurance premiums by certain carriers. However, there are lots of insurance carriers serving Washington and the greater Seattle area that might honer certain changes you make that another well-respected company may not. The trick is to shop around but this takes time and diligent effort to obtain a company that has the best balance of coverages versus what you are paying in premiums. Prostar Insurance does the shopping for you with dozens of the most well-respected insurance carriers in the Pacific Northwest. If you want to stay on top of your insurance month after month to take advantage of incentives that other companies may offer, here are a few instances where you should check your policy:

Is your credit score significantly higher or lower than before? Sometimes a bad credit score is matched with a low accident or violation history and a lower rate than any other carrier emerges. It simply depends on how companies place their weights.

Are you turning 25? You will see a significant drop. This is widely accepted throughout the auto insurance industry.

Bought a home? Homeowners are considered more stable and reliable. Also many companies offer home and auto packages that can save thousands of dollars a year.

Take a driving skills course– insurance companies offer discounts to drivers that are smarter on the road. A driving skills course can teach anything from skid controlling defensive driving to advanced safety maneuvers. Not only will you save cash, you might learn the skills to keep you and your family safe in a variety of driving scenarios.

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