|• Be a safe driver.
Drivers with good driving records can save as much as 60 percent over
drivers who cause accidents.
• Buy a car that
includes safety features such as anti-lock brakes, alarms
or other security features, airbags, and automatic seat belts.
• Choose a higher deductible (what you
pay before your insurance policy kicks in), which can mean paying
less for your policy.
• Eliminate unnecessary
coverages. If you drive an older car with little cash value,
consider eliminating “collision” or “comprehensive”
coverage, which pays for damage to or theft of your car.
• Insure more than one car with the same company,
and you may be eligible for savings.
your car and home with the same company. You could save money
if you have more than one type of policy with the same insurance company
(for example, an auto policy and a homeowners policy). The more good
business you give the company, the more valuable you are as a customer.
• Look for low-mileage discounts if you
car pool or do not put a lot of miles on your car annually.
• Check for student discounts such as a good
student credit for maintaining a B average, or if a driver in your
household is living away at school and not driving as much.
• Buy a safer car that will cost less to repair
and less to insure. Check crash-test reports, repair records and manufacturer
recalls of any car you are considering. A consumer protection magazine
can be very useful or check car sites on the Internet.