Here are some things to keep in mind to lower your car insurance premium:
- Consider a higher deductible. You should, however, remember that higher deductibles also mean more out-of-pocket dollars when something happens.
- Improve safety features in your car. Air bags, anti-lock brakes, anti-theft devices and systems like OnStar all mean better safety and lower rates.
- Drive defensively. People with no traffic violations, accidents or other incidents benefit from lower rates.
- Use your credit responsively and know your credit score. To the insurance company, a good credit means a lower risk, and that means, in states with insurance scoring, a lower price for auto insurance.
- Bundle multiple types of insurance. This means better business for the company, hopefully for you too.
- Choose your company carefully, a long-time loyalty may pay off.
- Ask for discounts! Your agent usually have a list of discounts he might be able to offer.
Still think you are paying too much? Remember, during an average lifetime of driving, we face about a one-in-three chance of being injured or killed in a motor vehicle crash. Do not skimp on the safety, security and protection you and your family need.