• Install Theft Devices - this usually get discounts on car insurance. Some insurers would provide discounts of up to 36%.
• Consider Multiple Car Discount - if you have two or more cars or another fixed asset it makes sense to insure all of them at the same company.
• Complete a defensive-driving class or have a clean driving record – it could result in certain discounts.
• Pay your bills in a timely manner - and you would increase your insurance score and decrease insurance premium.
• Do not practice any unusual activity within the month before you buy auto insurance – otherwise the insurance score could be downgraded.
• The higher the deductible - the lower the premium.
• Incur low annual mileage – and benefit of the discount. Some insurance companies offer a discount of up to 10% if your annual mileage is less than 5000.
• Health Insurance If you are a city-dweller, expect higher rates – most accidents happen in larger cities.
• Students with high grades, drivers over 50 and certified teachers – sometimes could receive decreased insurance rates.
• Choose a yearly policy instead semiannual one – it can extend your savings on your car insurance.
• The better credit rating- the higher insurance score.
• Do not forget to ask a discounted premium – if you have kept your policy with an insurer for several years.
• The longer you are with the company – the higher the discount you could get.
• Consider air bags and automatic seat belts - some companies might discount up to 30% off Personal Injury Protection and Medical Payments coverage.
• Become the graduate of state approved driving school – it could save you up to 10% off on Bodily Injury, Property Damage, Medical Payments, Personal Injury Protection and Collision coverage.
• Find out insurance quotes for vehicles before you buy them –different cars have different premiums.
• Buying via the internet can save you money as online companies generally have lower overheads.
• If you have a garage use it - garaging your car can reduce premiums considerably.
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