Auto Insurance Tips

Tips on Saving money on your auto insurance?
Explore auto insurance discounts

Safe Driver Discounts
Without the extra cost of auto repairs and speeding tickets, it's should be no surprise that good drivers save money on their auto insurance right off the bat. Many states reward safe drivers with deep discounts.
Specialized Occupation Discount
If you or your husband or wife is employed as an engineer, educator, or a scientist, you may be eligible for an auto insurance discount simply based on his or her profession.
Car Alarms
Not only will investing in a car alarm protect your vehicle from theft and give you piece of mind, it may save you money on your auto insurance. Other anti-theft devices, like certified car tracking systems may also earn you an auto insurance discount
Safety Equipment
If you're in the market for a new car, get one that has the latest in safety equipment. Your vehicle's safety equipment could save you money on your auto insurance, but more importantly, it could save your life.


Good Students
Young drivers are generally inexperienced behind the wheel and are known for being high-risk by auto insurers, which helps to explain why auto insurance premiums are so high for this age group. Doing well in school may save you or your young driver some money on auto insurance. Good students in certain age groups may qualify for an auto insurance discount.
Make your auto insurance dollar Work for you
To get the most value out of the money you spend on auto insurance, it may be a good idea to choose the highest liability and deductible levels you can comfortably afford. Why? Remember, you buy auto insurance to help you if something bad happens. Higher limits mean that there's more financial help available to you if you get into an accident. That's why higher limits are generally better than the minimum required in many states.
Unsure how to pay for higher limits? Higher deductibles help you save money on your regular auto insurance premium. When you choose a deductible, think about which you'd prefer -- paying more now or paying more later if you ever need to file an auto insurance claim. A higher deductible will lower your auto insurance premium, but you'll have to pay that higher amount if you have to file a claim. When you select a lower deductible, it's just the opposite.
Drive safely
Safe driving is one of the best ways to keep your auto insurance rates low. (Even more important, it helps to save lives!) Speeding tickets and fender benders only increase your auto insurance costs. Drivers with good driving records often benefit from safe driving discounts as well.
Pay your bills on time
Auto insurance companies use several pieces of information to assess the potential risk a driver represents. One important rating factor, applicable in some states, is the credit-based insurance score. Insurance industry statisticians and actuaries have found that folks who pay their bills on time are generally better drivers (or are otherwise more responsible). When auto insurance companies think you're a better risk to insure, you will generally get a better rate.
Shop around
Under rare circumstance loyalty doesn't pay. Maintaining auto insurance for your family is one of those situations. You may be paying more than you need to by staying with the same auto insurance company! Every 6 months, you should compare auto insurance rates with several auto insurance companies to find the best deal. You may be surprised at how much you save when you shop around.
Most people don't know that they can change and cancel their policies at any time. You don't have to wait until your policy expires or renews to take advantage of a better auto insurance rate that might be available. However, because you never want to have a gap in your auto insurance coverage, it's better to sign up for new coverage and then cancel your existing policy.