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When it comes to automobile insurance, you can save a significant sum of money by asking the right questions and by taking certain steps.
Instructions
STEP 1: Insure all your vehicles with one company to take advantage of multi-car discounts.
STEP 2: Ask about multi-line discounts if you are also buying other lines of insurance.
STEP 3: Know the value of your vehicles. Drop collision and comprehensive coverage on older vehicles you can afford to replace.
STEP 4: Check before changing cars since rates on cars of equal value can vary.
STEP 5: Ask about discounts for air bags, anti-theft devices, anti-lock brakes and similar equipment.
STEP 6: Ask about discounts for drivers over 40 or 50, if applicable.
STEP 7: Select the highest collision and comprehensive deductibles you can afford.
STEP 8: Buy only coverage you do not already have from some other source such as an auto club.
STEP 9: Make an older, less valuable vehicle the primary transportation for younger drivers in your household.
STEP 10: Make sure younger drivers take driver's education courses.
STEP 11: Notify your agent if your younger driver makes a "B" average or above in school, and ask about a "Good Student Discount."
STEP 12: Ask about discounts for being "accident free" over a period of time.
Tips & Warnings
Avoid getting tickets; you'll be eligible for the best possible insurance rate.
Stay with a company that gives fair, friendly and economical service.
Never lie about your driving record to reduce rates. Misrepresentation can invalidate a contract, and your insurance company can refuse to pay a loss.
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1 ~ New York, New York: 7,333,253
2 ~ Los Angeles, California: 3,448,613
3 ~ Chicago, Illinois: 2,731,743
4 ~ Houston, Texas: 1,702,086
5 ~ Philadelphia, Pennsylvania: 1,524,249
6 ~ San Diego, California: 1,151,977
7 ~ Phoenix, Arizona: 1,048,949
8 ~ Dallas, Texas: 1,022,830
9 ~ San Antonio, Texas: 998,905
10 ~ Detroit, Michigan: 992,038
11 ~ San Jose, California: 816,884
12 ~ Indianapolis, Indiana: 752,279
13 ~ San Francisco, California: 734,676
14 ~ Baltimore, Maryland: 702,979
15 ~ Jacksonville, Florida: 665,070
16 ~ Columbus, Ohio: 635,913
17 ~ Milwaukee, Wisconsin: 617,044
18 ~ Memphis, Tennessee: 614,289
19 ~ El Paso, Texas: 579,307
20 ~ Washington, D.C: 567,094
21 ~ Boston, Massachusetts: 547,725
22 ~ Seattle, Washington: 520,947
23 ~ Austin, Texas: 514,013
24 ~ Nashville, Tennessee: 504,505
25 ~ Denver, Colorado: 493,559