Reducing Your Premiums

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Drive that extra car sparingly. If you have several cars in the family, drive one of those cars less frequently to keep its annual mileage under 7,500 miles. That way you may qualify for a discount.

Insure all the cars in your household on one policy. Typically insurance companies will offer a discount to people who insure more than one car on a policy.

Try to have a "pleasure" car. Perhaps one of the automobiles in your family is not used for business or to take anyone back and forth to work. Most insurers will charge less to insure a "pleasure use only" automobile.

Improve your driving record. Many insurers offer breaks to drivers who have clean driving records -- accident and or/violation-free records. Requirements vary from company to company and state to state.

Encourage your teen-age driver to study hard. Generally, good student discounts are offered to high school or college-age drivers in the upper 20% of their class.

Consider safety restraints and anti-theft devices. Many insurance companies offer discounts if you have or install seat belts, air bags, anti-lock brakes, an approved alarm system, ignition cutoffs, wheel locks and hood locks.

The bigger the deductible on Comprehensive and Collision, the cheaper the insurance premium. A deductible is the amount of money you will pay before the insurance company pays for a covered loss. For instance, if you have a $1,500 covered loss and your deductible is $500, the insurance company pays $1,000.

Many experts suggest dropping Comprehensive and Collision if your car is worth less than $3,000. If the car is worth less than $3,000 and you take a $500 deductible, you will get less than $2,500 if it is stolen. You will save money by dropping this part of your insurance, as long as you can afford to dip into your own pocket should your car have to be replaced or repaired.

Be sure to let your insurance company know if your child goes off to college or school more than 100 miles away from home and does not take a car. As long as the school is at least 100 miles from home (and the family car), you can often get a discount.

Don't smoke. Many insurance companies charge more to smokers, because they are a higher accident risk.

Do you live in a big city and own another home outside the metropolitan area? If you live in a suburban or rural area at least 50% of the time, you might be able to list it as the garaging address for your car and save money. Insurers often charge more for vehicles located in large metropolitan areas.

Buy a car that's less costly to insure. Expensive, high-performance cars are fun to drive, but expensive to insure. The less your car costs to repair and the safer it is, the lower the premium. If you are considering a new make and model, run it through our quote machine to see how costly it might be to insure.

Many insurance companies offer discounts for certain types of safety equipment and good driving records. If you haven't already, check out the "Special Discounts" section of "About Auto Insurance." Don't forget to take a look at some safe driving tips in this section.

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