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We are always looking for ways to save money on auto insurance . These are the best ways to reduce your bill.
Compare prices
Car insurance rates vary greatly from one company to another . Get auto insurance quotes from at least three insurance companies. But given only at the price: Look at the reputation of the company , their customer service and the type of coverage and discounts offered.

 Ask for higher deductibles on collision and comprehensive coverage
If you file a claim under collision or comprehensive coverage , the deductible is the amount of money deducted from the security check . Higher deductibles mean lower premiums. For example , increasing your deductible from $ 250 to $ 500 on collision and comprehensive coverage can save from 15 to 30 percent. The increase is $ 1,000 you can save up to 40 percent or more , according to the Insurance Information Institute ( III ) . Just make sure that you can pay in the event that you need to make a claim .
No deductible liability insurance.

Drop collision and / or comprehensive coverage on older cars
If your vehicle is totaled in an accident, you receive the actual cash value of the vehicle. Although auto insurance companies use their own criteria for determining the fair market value of the vehicle , you can get a rough estimate of the NADA Guides . For older cars , it may not make financial sense to pay premiums for many years to maintain collision and comprehensive coverage. As a rule, there is no point buying a comprehensive and collision coverage for a car worth less than $ 1,000 , according to III .

Buy a car that is cheap to insure
The past claims history affects their vehicles secure future. If drivers of a particular file or frequent expensive vehicle claims , insurance rates for all units of that model will go up. Tool car insurance comparison Insure.com ' s allows you to see the average premium for hundreds of new models.

Take advantage of low mileage discounts
Some insurance companies offer discounts to drivers who put fewer than a certain number of miles on their vehicles each year.

 Consider the usage-based insurance (also known as Pay As You Drive)
Programs usage based insurance (UBI ) , you can save money if your driving habits are aligned with the view of the insurer to " good conduct . " Normally a telematics device is connected under the steering wheel and records data as example when driving , how much and when braking. Usually, the discounts are then applied to the next term of the policy . If you drive a lot, drive at night or prone to slamming on the brakes , UBI might not save you money.

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