Things You'll Need:
- computer
- internet access
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Step 1
First and foremost, you should take a moment to understand what type of auto insurance that will benefit your situation the most.
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Step 2
Secondly, there are several discounts that are available. Evaluate each one and take advantage of any that may apply to you.
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Step 3
One of the most common available is the "Good driver" discount. Having a clean driving history can save you around 20% on your premium.
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Step 4
Take advantage of grades. Maintaing a "B" average can provide savings with the good student discount that is offered by many companies.
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Step 5
Save with vehicle safety equipment. Some standard features including air bags, automatic seatbelts and anti-lock brakes will help you save. Low-jack, and alarm systems may also entitle you to a discount.
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Step 6
If you don't drive as much, then you shouldn't pay as much. There is a low mileage discount that companies offer to those who do not spend as much time on the road.
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Step 7
Good credit always help. Some companies will offer lower rates to consumers who have a good credit history.
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Step 8
If your married, let your insurer know. Married people generally pay less for auto insurance than individuals who are single.
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Step 9
Can you pay your premium up front? Most insurers will give a substantial discount to those who pay their premiums in full.
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Step 10
If insuring more than one car, you can save. A lot of companies offer muliple car discounts if you have more than one car on the same policy.
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Step 11
If you don't smoke you may pay less. There are a few insurer who will offer a savings to their customer who are non smokers.
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Step 12
Discounts for senior citizens. Obtaining a certificate after completing a mature driver course and providing it to your insurer can help save on your premium.
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Step 13
Do you have a college degree? Some insurance companies will give a discount to those who have a four year degree or higher.
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Step 14
Multiple lines. If you insure your auto with the same company as your home, they may offer you a discount.
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Step 15
After evaluating the discounts that auto insurance companies offer, the next step is to compare quotes. Obtaining multiple quotes from various insurers is an efficient way to ensure that you are getting an affordable rate for your premium.
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Step 16
In recent years, there have been the development of websites that provide online quote comparisons that are very useful. The can provide rates from multiple companies in a matter of minutes, making it an effective way to locate an affordable premium.
