Best Ways to Get Auto Insurance Discounts

Most people who drive are looking for ways to trim their auto insurance premiums and save money. While the government of the state you live in determines what rates you pay, there are still ways by which you can achieve substantial discounts on your auto insurance.

Reduce how many miles you drive

Auto insurance rates are determined in part by how many miles you drive. The more you drive the more likely you are to have an accident. If you are currently driving fewer miles than what you have in the past, consider calling your insurance agent and get your yearly mileage rating adjusted.

Maintain a good driving record

Auto accidents and claims are the primary cause of an increase in your premium. Likewise, you get the heftiest auto insurance discount if you are flagged by your insurance carrier as a good driver. If you have had no claims or incidents for 5 to 7 years you can qualify for good driver rates.

Combine insurance

If you get your homeowner's or renter's insurance from the same insurance carrier as your auto insurance, you will be given a discount for having both policies under one company. Likewise, if you insure all your vehicles with one company you'll likely be eligible for a multi-car discount as well.

Get a hybrid car

If you're looking for a new car an additional way to save on your auto insurance is to buy a gas-electric hybrid. Not only does it save money at the pump but many insurance carriers offer discounts just for cars of this type.