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1. Shop around.
One of your first steps should be to shop around for
insurance.. You may be surprised to learn that auto
insurance premiums for the exact same coverage on the
same car can vary widely (by hundreds of dollars)
between different insurers, even in states that regulate
auto insurance rates.
2. Lower coverage amounts.
You can also reduce the amounts of certain coverages. Be
very careful here. You may be able to lower your
coverage amounts in other areas (such as collision and
comprehensive), but don't rush into such a decision just
to save a few bucks. The costs could far outweigh the
savings. Talk it over with a licensed agent first.
3. Increase your deductible.
For many people, raising the deductible on their auto
insurance is a good way to cut the cost of the policy.
Sometimes you can reduce your annual premium by 10
percent or more if you increase your deductible from,
say, $250 to $500. If you do this, however, make sure
you have the financial resources to handle the larger
deductible when the time comes.
4. Apply for less coverages
One seemingly obvious solution is to eliminate certain
types of coverage from the policy. Most states require
you to have liability coverage in most states, but other
non-mandatory coverages may be expendable. Be careful,
though, because you don't want to be underinsured if
you're in an accident. Even though medical payments,
uninsured motorist, collision, and comprehensive
coverages may be optional in some states, it's usually
not advisable to get rid of them altogether.
5. Keep an eye on your credit report.
Your credit history is an important factor for most auto
insurance companies. Many studies have shown a
correlation between your credit history and the risk to
an insurance company. Paying your bills on time and
maintaining a good credit history will allow you to
enjoy lower auto insurance rates.
This article was from JM Unlimited Marketing, a florida
based information network. For more info on insurance
click here: Auto Insurance
Article Source: http://EzineArticles.com/
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