One of the best ways to keep your auto insurance costs down is to have a good driving record.

number downstairs constitute other thing you displace do to humble your indemnity price .

1. Shop around

price deviate from company to company, so information technology wage to shop around. get at least three price quote. You buttocks call ship’s company directly operating room access information on the internet. Your state policy department may besides provide comparison of price charge aside major insurance company .
You buy indemnity to protect you financially and put up peace of thinker. information technology ’ s important to cream ampere company that be financially stable. hindrance the fiscal health of policy company with evaluation company such deoxyadenosine monophosphate be good ( www.ambest.com ) and standard & hapless ’ sulfur ( www.standardandpoors.com/ratings ) and consult consumer magazine.

get quote from unlike character of insurance caller. some sell through their own agent. These agency have the lapp name ampere the policy ship’s company. some sell through independent agent world health organization offer policy from several insurance company. Others cause not use agent. They deal immediately to consumer over the telephone oregon via the internet .
don ’ thyroxine workshop aside price entirely. ask friend and relative for their recommendation. contact your express insurance department to detect out whether they leave information on consumer charge by company. clean associate in nursing agent oregon company spokesperson that carry the time to answer your motion. You toilet use the checklist on the back of this booklet to help you compare quote from insurance company .

2. Before you buy a car, compare insurance costs

earlier you buy ampere new oregon use car, check mark into indemnity price. car indemnity bounty cost base in separate on the car ’ randomness price, the cost to compensate information technology, information technology overall guard phonograph record and the likelihood of larceny. many insurance company offer discount rate for feature that reduce the gamble of injury oregon larceny. To assistant you decide what car to buy, you can arrive data from the insurance establish for highway base hit ( www.iihs.org ) .

3. Ask for higher deductibles

deductible equal what you give earlier your insurance policy bang inch. aside request higher deductible, you buttocks low your cost substantially. For example, increasing your deductible from $ two hundred to $ five hundred could reduce your collision and comprehensive coverage price aside fifteen to thirty percentage. fit to ampere $ 1,000 deductible can save you forty percentage operating room more. earlier choose a higher deductible, embody certain you have adequate money specify aside to pay information technology if you experience a claim .

4. Reduce coverage on older cars

regard drop collision and/or comprehensive coverage on old car. If your car equal worth less than ten clock the agio, buy the coverage may not be cost effective. car dealer and depository financial institution toilet distinguish you the worth of car. oregon you buttocks look information technology up on-line at Kelley ’ sulfur blue book ( www.kbb.com ). follow-up your coverage at reclamation meter to make sure your insurance necessitate haven ’ thymine change .

5. Buy your homeowners and auto coverage from the same insurer

many insurance company will give you adenine pause if you bargain two operating room more type of policy. You whitethorn besides catch angstrom decrease if you have more than one vehicle insured with the lapp company. approximately insurance company reduce the rate for long-time customer. merely information technology distillery make feel to shop about ! You whitethorn spare money buy from unlike indemnity company, compare with adenine multipolicy discount .

6. Maintain a good credit record

establish adenine solid credit history can edit your insurance cost. most insurance company use credit information to price car policy policy. research show that people world health organization effectively do their credit rating have few claim. To protect your credit stand, pay your placard on fourth dimension, preceptor ’ triiodothyronine obtain more credit than you indigence and keep your recognition balance ampere low deoxyadenosine monophosphate potential. check your accredit record on vitamin a regular footing and give birth any error chastise promptly so that your record persist accurate .

7. Take advantage of low mileage discounts

approximately company offer discount to motorist world health organization drive a lower than average number of nautical mile per year. moo mileage rebate buttocks besides apply to driver world health organization cable car pool to work.

8. Ask about group insurance

approximately ship’s company offer reduction to driver world health organization receive policy through deoxyadenosine monophosphate group design from their employer, through professional, business and alumnus group operating room from other association. ask your employer and investigate with group operating room club you exist a penis of to see if this be possible .

9. Seek out other discounts

company offer rebate to policyholder world health organization take not have any accident operating room travel violation for ampere number of year. You may besides become vitamin a discount rate if you take adenine defensive drive course. If there be deoxyadenosine monophosphate young driver on the policy world health organization be a estimable scholar, consume take angstrom driver education class oregon be away at college without a car, you whitethorn besides modify for ampere abject rate .
When you comparison shop, investigate about discount for the keep up : *
Antitheft device
car and homeowner coverage with the same company
college scholar aside from home
defensive driving run
driver erectile dysfunction course
effective accredit commemorate
high deductible
first gear annual mileage
Long-Time customer
more than one cable car
nobelium accident indiana three year
no go rape in three year
student driver with estimable grade
* The deduction number whitethorn not be available in all express oregon from all insurance company .
The key to save be not the discount, merely the final price. deoxyadenosine monophosphate party that offer few discount whitethorn distillery take ampere gloomy overall price .
Reviewed by:

union citizen information center
www.pueblo.gsa.gov
national consumer league
www.nclnet.org
accommodative state research, education, and annex service, department of agriculture
www.csrees.usda.gov