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What you can do to reduce your auto insurance premiumThink your auto insurance premium is too high? Here are some easy ways to help keep your insurance costs down:Drive defensively. The more carefully you drive, the lower your chances of being involved in an accident. Don’t drive drunk! Driving under the influence can cost you your life, and it could also result in a serious injury, a suspended license, a jail term or a canceled insurance policy. Increase your deductibles. Increasing your comprehensive and collision deductibles can lower your premium. Consider dropping your collision coverage. Depending on the age and value of your car, you may want to eliminate collision coverage. Prevent theft. Start by locking your car’s doors and taking the keys with you. Look out for fraud. If someone asks you to commit fraud against an insurance company, notify police. Insurance fraud is a felony in many states. Think "big" with your next car. Bigger cars generally provide greater crash protection and tend to suffer lower collision losses, which usually mean lower insurance premiums. Buy safety features. Air bags and antilock brakes can reduce your chances of being injured in an auto accident and can reduce your premium. Reduce your miles on the highway. Many insurers reduce your premium if you car pool or use public transportation to get to work. Use one company. Many insurance companies offer discounts for insuring all your cars with them. Think before you buy a specialty car. High-priced, high-performance and sports cars tend to be more expensive to insure because of their higher parts prices and a greater chance of being stolen. Contact your independent insurance agent for more ideas on ways to reduce your auto insurance premium.
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