• Be a safe driver.
Drivers with good driving records can save as much as 60 percent over
drivers who cause accidents.
• Buy a car that includes safety features such
as anti-lock brakes, alarms or other security features, airbags, and
automatic seat belts.
• Choose a higher deductible (what you pay
before your insurance policy kicks in), which can mean paying less
for your policy.
• Eliminate unnecessary coverages. If you drive
an older car with little cash value, consider eliminating “collision”
or “comprehensive” coverage, which pays for damage to
or theft of your car.
• Insure more than one car with the same company,
and you may be eligible for savings.
• Insure your car and home with the same company.
You could save money if you have more than one type of policy with
the same insurance company (for example, an auto policy and a homeowners
policy). The more good business you give the company, the more valuable
you are as a customer.
• Look for low-mileage discounts if you car
pool or do not put a lot of miles on your car annually.
• Check for student discounts such as a good
student credit for maintaining a B average, or if a driver in your
household is living away at school and not driving as much.
• Buy a safer car that will cost less to repair
and less to insure. Check crash-test reports, repair records and manufacturer
recalls of any car you are considering. A consumer protection magazine
can be very useful or check car sites on the Internet. |
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