| The average cost for car insurance in the United | | | | minimum coverages, but keep in mind that you |
| States these days is more than $1,000 a year. | | | | may not have enough protection in case of an |
| But you can save on your car insurance by | | | | accident. |
| following these car insurance tips ... | | | | In addition to liability coverages, you can choose |
| Get All the Discounts You Can | | | | whether to purchase collision and comprehensive |
| Discounts are the best way to save on car | | | | coverage. Collision coverage pays for physical |
| insurance because you lower your premium | | | | damage to your car caused by an accident. |
| without sacrificing coverage. Common car | | | | Comprehensive coverage pays for physical |
| insurance discounts include: | | | | damage to your car caused by ... well, just about |
| * Discounts for purchasing your home and auto | | | | everything else, such as fire, hail, vandalism, |
| insurance through the same company. | | | | storms, etc. |
| * Discounts for being a good student discount. | | | | If you buy collision and comprehensive coverage, |
| * Discounts for safety features such as | | | | set your deductibles as high as you can afford. |
| automatic seat belts, airbags, and anti-lock brakes. | | | | The higher your deductibles, the lower your |
| * Discounts for having taken a defensive driving | | | | premium. Raising your deductible from $250 to |
| course. | | | | $1,000 can save you up to 50% on your yearly |
| * Discounts for being accident free for a certain | | | | insurance cost. |
| number of years, usually three years. | | | | Shop Around |
| * Discounts for anti-theft devices such as auto | | | | Insurance premiums vary widely from one |
| alarms and electronic disabling devices. | | | | insurance company to another. You need to get |
| * Discounts for being in law enforcement or in the | | | | quotes from several companies in order to get |
| military. | | | | the best rate. Fortunately, the Internet makes |
| Ask your insurer if there are any other discounts | | | | this job easy. You just go to an insurance |
| you might be eligible for and be sure to include | | | | comparison website and type in your insurance |
| them in your policy. | | | | information. You'll then receive quotes from |
| Keep Your Coverages Low and Your Deductibles | | | | multiple A-rated insurance companies. |
| High | | | | On the best insurance comparison websites, you |
| Your state has certain minimum liability coverages | | | | can even talk with insurance professionals and get |
| you need to have in order to drive your car. Your | | | | more tips on saving money on your car insurance |
| premium will be lowest if you buy just the | | | | (see link below). |