What can I do to lower my rates?

To lower your insurance rates, start by addressing the 3 biggest reasons why you and others are likely paying more, namely: 

(a) You don’t have consistent prior insurance, meaning no lapses in coverage or reinstatements for any reason.

(b) You don’t have a credit score or you have a low credit score.

(c) You don’t have a valid driver’s license in the state where you live.

Tips to lower your insurance rates:

• Maintain consistent insurance coverage with no lapses for at least the last 12 months.
• Improve your credit score by getting your auto insurance with OCHO and paying on time.
• Hold a valid driver's license in the state you live in.
• Make all insurance payments on time to improve your credit score and future rates.
• Safe driving is essential to prevent accidents and tickets that raise rates.

To sum up, lower rates are possible if you make payments on time for a whole year and don't have any accidents or claims.