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Before you buy a car, compare insurance costs.
Before you buy a new or used car, check into insurance costs. Your premium is based in part on the carís sticker price, the cost to repair it, its overall safety record, and the likelihood of theft.
Ask for higher deductibles.
Deductibles represent the amount of money you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially.
Reduce coverage on older cars.
Consider dropping collision and/or comprehensive coverages on older cars. It may not be cost effective to continue insuring cars worth less than 10 times the amount you would pay for coverage.
Buy your homeowners and auto coverage from the same insurer.
Many insurers will give you a discount if you buy two or more types of insurance from them. Also you may get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce premiums for long-time customers.
Take advantage of low-mileage discounts.
Some companies offer discounts to motorists who drive a lower than average number of miles per year. Low mileage discounts can also apply to drivers who carpool to work.
Ask about group insurance.
Some companies offer reductions to drivers who get insurance through a group plan from their employers, through professional, business and alumni groups or other associations.
Maintain good credit.
Your credit rating may affect what you pay for insurance. Credit makes insurance rates more accurate, fair and objective. While the use of insurance scoring varies from state to state and company to company, it is a fact that drivers with long, stable credit records have fewer accidents than drivers who don't.
Seek out safe driver discounts.
Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also qualify for a cut if you have recently taken a defensive driving course.
Inquire about other discounts.
You may get a break on your insurance if you are over 50 or in some cases 55 and retired or if there is a young driver on the policy who is a good student, has taken a drivers education course or is at a college, generally at least 100 miles away.
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