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Step 1
Compare rates with other insurance companies. Different companies offer different discounts. Do not be afraid to ask about discounts. Not all insurance companies will be upfront with what they have to offer.
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Step 2
Keep a good driving record. The first time you get in and accident or speed your insurance will go up. If you have no marks on your driving record your insurance will eventually get lower.
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Step 3
Take a drivers training course. Even if you have been driving for years, you can always learn more. In doing so you can lower your car insurance rate.
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Step 4
Have an alarm system in your car. This helps prevent theft. In return it reassures your insurance company against a theft claim and therefore lowers insurance rate.
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Step 5
If you are a nonsmoker ask for a discount. We get this for us. Cigarette burns in your upholster can be really expensive.
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Step 6
Get a low mileage discount. People that work close to home and don't take many business trips can qualify for a low mileage discount.
If you carpool this could be a good way to get this discount or ask for a separate carpool discount. -
Step 7
Insure a second vehicle. If you have a spouse or kids that drive, insure them both together and this will lower your car insurance.
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Step 8
Ask your insurance company for a bundle. Including your car insurance and house insurance together will lower your insurance rate.
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Step 9
If you are a college student you can get a good student discount. It doesn't matter if you are 20 or 40 for this to be true. If your grades are good just ask for the discount.
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Step 10
Depending on your insurance company there are so many discounts people are not aware of. It doesn't hurt to ask what your company offers.
