Ask about group insurance
Some companies offer discounts to drivers who get insurance through a group plan from their employers, through professional, trade and alumni groups or other associations.
Buy a car that is cheaper to insure
Before you buy or lease your next car, compare auto insurance rates for the models you’re considering. Family and moderately priced vehicles, such as minivans and small SUVs, tend to be cheaper to insure.
Small cars, on the other hand, tend to be more expensive to insure. Because there are so many trailers, pickups, and trucks on the road today, small cars are less conspicuous and therefore more likely to be involved in an accident, among other reasons.
Keep your driving record in good standing
Your driving record is one of the things that impact the cost of your policy. If you’ve recently been in an accident, you may see an increase in the cost of your insurance policy when you renew. Or if you’ve been penalized for texting while driving or speeding, the cost of your policy may also be affected. Remember to keep your eyes on the road and your hands on the wheel! And if you need to talk to someone, turn on Bluetooth to chat without getting distracted.
Improve your credit whenever possible
In some states, your credit is a big factor when auto insurance companies figure out how much to charge. In some cases it may even count for more than your driving record in some cases. Check to see if credit history is a factor in determining the premium you pay on your insurance in your state.
Take a defensive driving course
Sometimes insurance companies will offer a discount for those who complete an approved defensive driving course annually (or every two or three years depending on the insurer).
Compare prices annually
Getting a great rate on auto insurance is just the beginning. It makes sense for you to compare your current rate year to year. Get quotes from at least three insurers, and look at the company’s reputation and feedback from existing customers to form an opinion.
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