Following are some ways
- Drive carefully, be safe & avoid accident prone conditions.
- Agreement to receive e-bills and documentation.
- Memberships in particular organizations or groups that offer discounts.
- Combine and Consolidate Policies by Pairing auto and homeowners insurance
- Use Offers to let you pay the entire annual or six-month premium at once
- Improve your driving record by taking a defensive driving course.
- Making sure you don’t get any (more) tickets
- Take Advantage of Multi-Car Discounts
- Shop Around for Better Car Insurance Rates
- Drive less, try to use mass transit to rack up fewer miles
- Add your family members to your insurance plan
- Being married reduces your insurance compared to being single.
- insurers will offer a discount if you buy a hybrid or an alternative fuel vehicle
- Downsize Your Vehicle in size and weight.
- Increase Your Deductibles to the maximum allowed $1,000 (the lower the deductible, the higher the annual premium)
- Insurance companies may also consider your credit ratings when determining insurance premiums.
- Your location infuences car insurance rate so choose your home location keeping insurance in mind.
- Companies offer reductions to drivers who get insurance through a group plan from their employers, through professional, business and alumni groups or from other associations.
- Get Discounts for Installing Anti-Theft Devices
- Switch to Pay-as-You-Go Insurance by letting your insurer track your driving through a telemetric device installed in your car in exchange for possible discounts based on how much you drive, when you drive, and how well you drive.
- Shop around to see what other insurance companies can offer, so that when it’s time to renew your auto insurance policy, you’ll be able to see if the company can match any lower rates you’ve been quoted.
- Consider dropping collision and/or comprehensive coverages on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective.
- Ask for Long-Time Customer discount
- Ask for No Accidents in 3 Years discount
- Ask for No Moving Violations in 3 Years discount
- Ask for Student Drivers with Good Grades discount
- Ask for College Students away from Home discount
- Ask for Defensive Driving Courses / Drivers Ed Courses discount
- Maximize your coverages (Insured/Uninsured/underinsured motorist, Comprehensive, Collision, coverage, medical (increases monthly insurance cost but also increases your insurance protection)