Auto Insurance Recommendations

If you want to control the cost of auto insurance, you must follow these simple rules:

Maintain a Good Credit Score

It's a little-known fact, but many car insurers use credit scores to help set your car insurance premium. Along with Hawaii and Massachusetts, California is one of the few states that don't allow this practice. Generally, a lower score will mean you pay higher premiums. So if you get insurance in any of the 47 states that allow this practice, increasing your credit score and really save on costs.

Report Reduced Mileage

A major component in calculating your auto insurance cost is how many miles you drive per year. The average American drives 12,000 miles a year, and insurance companies normally set this as the default. If you are below the average or have had a major change in the amount you commute, let your insurer know. Your reduced driving could bring your premiums down from 5 to 10 percent.

Choose Your Car Wisely

Vehicle damage is the most important factor in computing costs for auto insurers. Your premiums will almost certainly vary by the make and model of your car. If you're in the market for a new car, ask your insurer what the different premiums would be depending on the various models you are considering.

Manage Teenage-Driver Risk

If you add a single teenager to your auto insurance policy, you could see an average increase in your premium of 90%. This can differ from state to state, so make sure to check with your insurance on the additional cost, be flexible on shopping around, and look for better rates with different insurers.

Client Reviews
"Me and my wife; had a car accident. We were amazed how easy, professional, friendly attorney Ed Smith is along with his staff. Everybody is amazing. Thank you so much, we are very impressed!" Alex & Dinah M.
"Ed Smith and his office team took on a difficult personal injury case on my behalf and for the passenger in my car. Ed is a top- notch attorney. His staff couldn't have been more helpful and kind. No need to look elsewhere. I give Ed Smith my highest recommendation." Beverly
"Ed and Robert have been taking great care of my husband and I for the past 5+ years. They are always there when you have a problem and a quick resolution! Even when the issues have nothing to do with them. They are willing to help ease the pain off your shoulders. They are as good as it gets! Thank you again for everything." Annie T.
"Very professional. Great team, staff and service all around. Mr Smith was very honest, straight forward with his advice. He gives the word "attorney" an honest reputation. I will seek his council anytime, and would recommend him at the drop of a dime." Jeremy M.
"I would highly recommend Ed Smith to any friends or family in need of a personal injury attorney. Ed, and his staff, are very caring on top of being very experienced in this field. The staff always keeps you informed of the status of your case and they are always easy to reach by phone." Shannon D.
"Edward Smith law offices provide competent, thorough, and personable help for victims of personal injury. When you first meet the staff you know you contacted the right office. This law office treats clients like people. I recommend this office to anyone seeking representation regarding personal injury." David M.