Low Cost Auto Insurance: 8 Ways to Cut Expenses

    1. Raise your deductible.

    A higher deductible on collision and comprehensive coverage can lower your auto insurance rates. For example, increasing your deductible from $200 to $500 could cut your collision cost by as much as 30%. Since the average annual premium is $687, this can save you $206 per year.

    2. Drop collision and/or comprehensive coverage on older cars.

    If your car is declared a total loss, you will receive the cash value. If your car is 5 years old or older, it may make sense to cancel the collision and/or comprehensive portion of your policy and bank the savings.

    3. Avoid duplicate medical coverage.

    If you have adequate health insurance, you may be paying for duplicate medical coverage in your auto insurance rates. In some states, eliminating personal injury protection (PIP) can lower your premium by up to 40%.

    4. Drive a "Low-Profile" car.

    The auto insurance rates are much higher for cars that are expensive to repair, or are favorite targets for thieves. Before buying a car, determine the auto insurance rates.

    5. Drive less.

    Some auto insurance companies offer cheap auto insurance quotes to motorists who drive less than a predetermined number of miles a year. Consider using public transportation, a carpool or vanpool to commute to work.

    6. Ask for a multi-policy discount.

    Some insurance companies give a discount if you have your homeowner policy with them also.

    7. Ask for a discount based on your credit score.

    Some auto insurance companies use the credit score to establish premiums. If you have a high credit score, ask for a discount.

    8. Compare auto insurance rates.

    When shopping for the cheapest auto insurance, you will find that prices for the same coverage can vary by hundreds of dollars. So, it pays to compare auto insurance rates.

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