| The typical driver is eligible for numerous auto | | | | you drive it to work. Answer "no" (truthfully) and |
| insurance discounts that he or she may not even | | | | you can save. |
| know about. Discounted car insurance rates are | | | | Has your credit rating improved recently? Car |
| actually the norm, rather than the exception. But | | | | insurance agencies will pull your credit score when |
| without knowing what deals are out there, you | | | | you first apply for your insurance policy and will |
| can't take advantage of these money-saving | | | | base your pricing on that. Lower credit scores |
| offers. Consider the following - you may be able | | | | mean that a driver may be more prone to late |
| to save on your auto insurance: | | | | payments or may be more likely to file a claim. If |
| If you are a safe driver, you are well positioned | | | | you can increase your credit score by 50 or |
| to negotiate a lower rate. Even if you've had an | | | | more points, you can probably get a lower rate |
| at-fault accident in the past, you may be able to | | | | on your car insurance. |
| have it forgiven after two to five years. Some | | | | Membership and group discounts are also an |
| car insurance agencies even forgive your first | | | | effective way to cut down on your auto |
| accident. If you can prove an excellent driving | | | | insurance costs. If you've changed jobs or |
| record, you can get lower car insurance rates. | | | | recently been accepted into a professional |
| Is your car a "low-profile" vehicle? Or are you in | | | | association, ask if they have any group insurance |
| the market to buy a new vehicle? If you forego | | | | rates. These types of discounts can save you a |
| a flashy sports car that has a high theft rate and | | | | significant amount of money. |
| high costs for repair, you will save significantly on | | | | Lastly, always remember to comparison shop. |
| your car insurance. Choose a car with a higher | | | | With the advent of the Internet, viewing the |
| safety rating and anti-theft devices and you will | | | | latest discounted auto insurance rates is easier |
| pay less on your monthly premiums. | | | | than ever. By running a local car insurance search |
| If you carpool or take public transportation to | | | | by postal code or city and state, you can |
| work, you can also get an infrequent driver | | | | instantly view deals available in your area. Give it a |
| discount. Commuting during rush hour is one of | | | | go the next time you have a free minute (how |
| the riskiest times to drive. This is why an agent | | | | about now?). |
| will ask you how often you drive the car and if | | | | |