1. Deductible
Out-of-pocket costs generally increase from $250 to $1,000, which can reduce your insurance premiums by 15% to 30%. On average, there is only one car accident every 11 to 12 years.
2. Older cars have less insurance coverage
Old cars do not need to be fully insured, and it is not worthwhile to pay too high an insurance premium.
3. The insurance of the house and the car is bought in the same company. The general company will provide discounts for consumers who purchase multiple insurances.
So try to buy from one company to save time and money.
4. Insurance companies believe that people with good credit usually have fewer car accidents
Therefore, the insurance premium may be lower, so it is very necessary to maintain your own credit.
5. Maintain a good driving record
Insurance premiums may also be lower if you have not been in an accident for many years, have not received a traffic ticket, or have taken safe driving classes.
6. Keep your mileage low
Some insurance companies offer lower premiums to people who drive a low number of miles a year, or who drive to work with others.
7. Ask about other ways to reduce prices
For example, is there any discount for buying insurance for groups? Generally, students who have taken formal driving lessons are also cheaper.
8. Compare prices everywhere
It’s best to ask three insurance companies, don’t just focus on the price and forget to ask about their services. You can inquire among relatives and friends, or you can go to gov-ern-ment to inquire about the reputation of those insurance companies, and then make a decision. We generally go to http://Netquote.com to check the quotation first. This online company is the most comprehensive, you can check the quotations of all auto insurance companies, and then you can choose the one you want according to your own requirements.
9. Maintain a good driving record
Insurance premiums may also be lower if you have not been in an accident for many years, have not received a traffic ticket, or have taken safe driving classes.
There are also some tips for saving money, such as asking the insurance company if it will give discounts to drivers with good driving records, or if there are discounts for multi-insurance packages.