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Drive
less. Insurance companies often offer low-mileage
discounts to motorists who drive less than a
predetermined number of miles each year. You can use
public transportation more often, car-pool with friends,
and take the train or a plane instead of driving to
another state. And you'll save on more than your
coverage as you'll need to spend less on gasoline (of
which prices are incredibly high).
Maintain a clean driving record. The company will give
you a price break and you can save on your insurance
policy after a specified period of a clean driving
record. This means that you have no accidents, no
serious driving violations etc, during this period of
time. The simplest and surefire way to qualify for this
discount is to drive carefully and defensively all the
time.
Choose a low-profile car. Insurance rates vary among
difference models of vehicles. Generally, sports cars
and high-performance cars tend to cost more to insure,
mainly because they represent more risk of theft and the
drivers are often the people who drive more recklessly.
Newer cars will cost more to repair or replace than
older ones, so naturally they can more to insure.
Low-risk vehicles include station wagons and sedans.
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