If you really want to save some money on auto insurance pay close attention to the tips below. It's more important than ever to save since common needs are rising such as fuel costs, food and utilities:
Shop around by comparing quotes on auto insurance rates online at insurance sites. You will be surprised at the sometimes significant premium differences from insurance carrier to carrier such as State Farm, Geico, Progressive, 21st Century, your local Auto Club, and others. Don't worry you are obligated to pay just to receive a quote. They should be free, otherwise go elsewhere.
Buy a low risk car or in other words a car with a low theft rate versus high theft cars- Pay your insurance premium in one payment instead of installments with accruing interest.
- Drive safely and keep a clean driving record, no accidents, driving through red lights, or speeding tickets
- Elect not to take the medical insurance coverage if you have sufficient personal or family medical insurance coverage. This depends on state requirements.
- Drive less per year approximately 10,000 miles or less, sometimes 7,500 or less.
- Select a multiple policy to get a discount for another car or renters or homeowners insurance.
- Raise your deductible which is an out of pocket expense in case you have an accident. Usually it is $100 but you can raise it to $500 or $1,000. Raise your comprehensive and collision deductibles from $250 to $500 or higher to save money.
- Get a discount for having an Anti-Theft device
