Firstly it is important to understand which tickets will increase your rates. Parking tickets will not affect your insurance premium but make sure to pay them as it will make it harder for you to renew your license plate.
Generally moving violations will affect insurance premiums. That could be divided into major and minor offences, along with criminal violations. Driving under the influence of alcohol, recklessness, failing to give indicator before a turn, not wearing a seatbelt, over speeding are certain examples of offences which can increase your insurance rates.
Once you have received a ticket, try to contest it. Maybe you have been wrongly adjudged or accused and may be able to get it revoked. Go to court and try to prove your innocence. If you are lucky, then it may force the insurance company to restore your credentials and lower the overall premium cost.
Higher deductibles. The person can reduce the insurance by increasing the deductibles. However, they will be required to pay money for their own pocket. Therefore, it is generally applicable to those who trust their driving skills.
Reducing coverage of older cars. If you feel that the value of your car is decreasing then it is worth reducing or simply removing collision from your coverage. Although you may be exposed badly in case of an accident, you can easily invest the money in buying yourself a new car.
Contact your insurance representative and review your current coverage. This is a simple way of knowing how to reduce your premium in case of any violation. The insurer will be more than happy to help you out and determine new rates for you. Moreover, knowing how their points system works will allow you to be more careful in the future.
Pursuing multiple car insurance. That will decrease the overall burden on you where you’ll be able to save almost 20% on your monthly premium. Check if you are entitled for more leverage if you buy any other insurance from the same company.
Shop around. There will be other insurance companies willing to help you out if you are not satisfied with the services currently being provided. Also driving safely will eventually allow you to restore your good behaviour.