| Are you sure you're getting the lowest auto | | | | and take advantage of all the discounts your |
| insurance rate possible? If you haven’t done | | | | qualify for. |
| any comparison shopping for car insurance lately, | | | | Set Your Deductibles High |
| you're probably paying too much. The average | | | | The deductible is the amount you pay |
| annual cost for car insurance in the United States | | | | out-of-pocket to repair or replace your car when |
| is over $5,000, but you can save on your car | | | | it is damaged. The higher you set your deductible |
| insurance by ... | | | | the lower your premium will be, so set your |
| * Getting all the discounts you qualify for | | | | deductible as high as you can afford. Increasing it |
| * Setting your deductibles high | | | | from $500 to $1,000 will save you 10 to 50 |
| * Keeping your credit record clean | | | | percent. |
| * Comparing rates at an insurance comparison | | | | Keep Your Credit Record Clean |
| website | | | | Almost all insurance companies look at your credit |
| Get All the Discounts You Qualify For | | | | record and charge a higher base rate if your |
| Discounts are a great way to lower your | | | | credit is poor. In fact, if you have a poor credit |
| insurance premium. Most insurance companies | | | | history you can pay as much as 20 to 50 percent |
| offer the following discounts: | | | | higher on your car insurance than someone who |
| * Multi-policy discount for buying your home and | | | | has good credit. |
| auto insurance from the same company. | | | | Shop Rates at an Insurance Comparison Website |
| * Good student discount for maintaining a high | | | | Insurance premiums can vary by hundreds of |
| grade average. | | | | dollars from one insurance company to another, |
| * Discounts for safety features such as | | | | so you need to get quotes from several |
| automatic seat belts, airbags, and anti-lock brakes. | | | | companies to get the lowest rate. By going to an |
| * Discounts for taking a defensive-driving or | | | | insurance comparison website you can compare |
| drivers ed course. | | | | rates quickly and easily. |
| * Discounts for being accident-free for a specified | | | | On the best insurance comparison websites you |
| number of years. | | | | can even talk with insurance professionals to get |
| * Discounts for anti-theft devices like car alarms | | | | answers to your questions, and get more tips on |
| and electronic disablers. | | | | saving money on your car insurance (see link |
| Ask your insurer about other discounts they offer | | | | below). |