| This article explains simple techniques for | | | | similar to the one you want. You might find the |
| significantly lowering your auto insurance premium. | | | | car you are in love with carries a substantially |
| The cost of your car insurance premium is | | | | higher insurance premium than another model. |
| dependent on many factors. Some of these are | | | | Higher deductibles — The higher the |
| within your control (your credit history and the | | | | deductible you choose for each form of insurance, |
| type of car you drive), and some are not (such | | | | the less that particular premium will cost you for |
| as your age and where you live). If you follow | | | | the year. |
| the guidelines in this article, you can keep your | | | | Use the same insurance company for all your |
| insurances premium as low as possible. | | | | insurance needs — Insurance companies will |
| Shop Around — You should get multiple | | | | give discounts if you purchase multiple forms of |
| quotes before you agree to any insurance | | | | insurance from them such as Life Insurance, Auto |
| contract. Get direct quotes from the major | | | | Insurance, and Home Insurance. |
| companies and their agents. You should also get a | | | | Low-mileage discounts — Most insurance |
| few quotes from online sources and possibly even | | | | companies offer discounts for motorists who |
| talk to independent insurance agents who | | | | drive less than the average number of miles on a |
| represent multiple companies. With a sampling of | | | | yearly basis. This is especially true for antique or |
| insurance quotes, you will have an idea of what | | | | collectible car policies, which usually have insurance |
| you can expect your insurance premium to cost. | | | | programs designed specifically for low-mileage use. |
| But don't decide based on price alone. You should | | | | Unless it's an antique, don't purchase |
| research each of the companies you are | | | | comprehensive or collision — If you drive |
| considering. Find out such things as: do they have | | | | an older car and its cash value is low, it might be |
| a local office near you, what is their process for | | | | a good idea to avoid the comp and collision policies |
| filing a claim, do they have a reputation for strong | | | | altogether. Unless the value of the car justifies |
| customer service or are they known for being | | | | paying for the high premiums, it's much more |
| hard to work with, and are there a significant | | | | economical to simply forego those particular |
| number of complaints with the state insurance | | | | insurance options. |
| department. In addition to performing your own | | | | Safe driver discounts — There are |
| research, you can contact independent rating | | | | insurance companies who specialize in providing |
| companies such as A.M. Best, Fitch, Standard & | | | | discount policies for safe drivers. If you have an |
| Poor, Weiss, and Moody's. These companies rate | | | | impeccable driving record, you should seek out |
| the financial strength of insurance companies. You | | | | those insurance companies who reward good |
| can find their respective websites by performing | | | | drivers. |
| an online search. | | | | Inquire about discounts — Some discounts |
| The company with the lowest rate most likely | | | | are not always advertised and the only way you |
| won't be the company with the best service or | | | | will find out about them is to ask. Some of those |
| the most hassle-free method for filing a claim. It's | | | | discounts include: student drivers with excellent |
| up to you to determine what is most important | | | | grades, anti-lock brake systems, low annual |
| when purchasing your auto insurance. | | | | mileage, drivers who are 50+ years of age, no |
| When purchasing a new car, compare insurance | | | | accidents in 3 years, no moving violations in 3 |
| premiums before you buy. The difference | | | | years, higher deductibles, multiple car discount, |
| between insurance premiums can drastically vary | | | | daytime running lights, anti-theft device. This list is |
| from car to car. So, before you get your heart | | | | by no means complete. You should ask your |
| set on a particular brand and model, you should | | | | insurance specialist if there are any discounts that |
| compare insurance costs on several cars that are | | | | may apply to you. |