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Some companies give discounts if you do not drive your car as much. If you live close to your job you may get discounts for this lower mileage usage. Some companies may also list car as an "occasional use" vehicle based on mileage, which can reduce your premiums.
Asking about which discounts are available is a great way of reducing your premium. Discounts are given for safety features such as airbags and anti-lock breaks. Anti theft systems can reduce costs as well. Owning a house, being married, driver training courses and having no tickets or accidents are all ways that may make it possible for you to be eligible for discounts. Getting a list of discounts from your company is a great way to reduce your costs.
Maintaining a good driving record is also a major determining factor on how much premium will be. If you can maintain a safe driving record, one without violations and/or accidents, your rates will be lower then someone who is more reckless. Many companies give discounts if there are no violations on your driving record. This is due to company potentially having less exposure insuring a driver with a clear driving record than driver with multiple tickets and/or accidents.
One final way to save on insurance is to keep your policy enforced. By making payments on time and keeping your policy intact you avoid extra late fees and you avoid costly tickets for not carrying proper type of coverage that your state requires. You avoid possible a suspension of your driver's license and you also may be eligible for discounts for renewing your policy all by just keeping up with your premiums. Most companies will give renewal discounts as an incentive to stay with them and keep your policy valid and in good standing.
These are just some ways that you as a consumer may use to lower your insurance costs. Now get out there and start saving some money!
Visit http://www.carinsurance.com for Auto Insurance Rates
James Diaz is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.
Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online...anytime!