Best Automobile Insurance

Drive safely and maintain a clean driving record. Moving violations such as speeding tickets, reckless or aggressive driving, accidents, and DUIs are all going to make you a greater risk to insure.

Increase your insurance coverage deductibles. If you take on more of the insurance risk, through higher deductibles, your premiums should be less. Consider at least a $500 deductible.

Avoid driving a “high profile” car. Driving a twin-turbo Corvette is going to cost more to insure than a Grand Marquis. (The police are more likely to notice you too!) High performance + high repair cost + high replacement cost = high insurance premiums.

Drive a vehicle with safety features such as anti-lock brakes, automatic seat belts, and alarm systems.

Get insurance quotes from your current insurer, independent insurance agents, and direct-to-customer insurance websites. (See the related article, ‘How to Shop for New Car Insurance’.)

Claim combined insurance coverage discounts. If you have other types of insurance such as life, home, personal property, etc. with an insurance company, seek combined coverage discounts.

Seek discounts for lower-risk drivers. Drivers with a lower-than-average annual driving distance, full-time students with high GPAs, three or more years without a moving violation, and senior citizens can all receive reduced insurance premiums.