1.             Drive Less

                                If you drive less than 7,500 miles per year, you are eligible for a low mileage discount on your automobile insurance policy. You can also apply for commuter discounts if you share your car with another person.

                2.             Don’t Use Your Car For Work

                                If you drive your car a lot for business use, see if your employers will cover these costs. Many insurance agents add a surcharge if your mileage increases greatly.

                3.             Increase Your Deductible

                                If you increase your deductible, you can reduce your annual automobile insurance premium by 10% to 15%. You do have to pay a larger deductible if you have an accident, but it does greatly reduce the monthly costs.

                4.             Watch Your Credit

                                Your credit history has bearing on your insurance rates. Most insurance companies look at this immediately before even providing a quote. If you have bad credit or a history of  delinquent payments, you are going to end up paying a much higher premium.

                5.             Be a Safe Driver

                                If you haven’t been in an accident or had a speeding ticket, your costs will go down considerably. Try to maintain a good driving record and save hundreds on your car insurance.

                6.             Don’t Go For a Sports Car

                                Driving a sports model will cause your insurance to go up. Sedans and older cars are much cheaper to insure. You can choose liability coverage for an older car as well, so avoid off the lot cars.

                7.             Your Environment

                                If you live in the big city where crime rates and auto accidents are on the rise, you will end up paying a lot more for car insurance. Consider moving to a more rural area.

                8.             Take Precautions

                                If you have an alarm in your car, as well as other safety devices such as anti-lock brakes, automatic seatbelts and airbags, you will pay less for your insurance. Also consider parking your car in a garage, as this will result in less risk to your car, and less money to insure.

                9.             Discounts

                                Many insurance companies provide discounts for a number of different criteria. Ask your agent what you can take advantage of.

                10.          Know your Company

Do your research on the insurance company you choose to go with. Know the agent, and ask any questions that you may be curious out. Don’t be afraid to switch companies if    you are dissatisfied. In the long run, it will help you to save cash.

Filed under: Auto Insurance Online, Getting Discounts, Tips and Secrets