Bindass Daily

<div dir="ltr" style="text-align: left;" trbidi="on">
How To Save Money On Car Insurance 
 
<ul style="text-align: left;">
<li>Most companies give a break to those who drive less than 7500 
miles a year. If you take public transportation instead of driving to 
work, your premium will go down. Out of the question? Try carpooling.</li>
<li>Make
 sure you get all the discounts you are entitled to. You might qualify 
if your vehicle has an alarm, for example. Discounts used to be given 
for such safety features as airbags,
 but they're fading away as those items become more commonplace. 
Discounts might also be available if you insure your vehicles and your 
home with the same company. People who pass a defensive-driving course 
or don't smoke or drink often get discounts.</li>
<li>Review the status 
of all the drivers in your family with your agent. Most discounts apply 
only to one portion of the policy, so don't expect dramatic savings.</li>
<li>Increase
 your deductible for collision and comprehensive. Switching from a $100 
deductible to $1000 can reduce the collision portion of your premium by 
30 percent, said Luedke. You'll still be covered for catastrophes, but 
you foot the bill for fender-benders. Also, think twice about filing 
small claims with your insurance: Why risk a premium increase?</li>
<li>Shop
 around. Instead of just renewing, study the fine print of your policy 
to see if its terms -- or your situation -- have changed. Another 
company might have better rates, but you won't know unless you shop. 
Most insurers give rates over the phone and many via online computer 
services, making it easy to compare premiums.</li>
<li>Drop collision 
coverage on older cars. Claims are limited to "book" value, so you're 
not likely to get much anyway if you car is more than seven years old. A
 good rule of thumb is to drop collision when the annual premium reaches
 10 percent of your car's value.</li>
<li>Be a good driver. Avoid 
accidents and traffic violations and you will be rewarded with 
good-driver discounts. Bad driving is expensive. The "safer you can be" 
on the road, Luedke said, "the lower your premiums."</li>
<li>Drop coverage for such extras as towing
 costs or the expense of renting a car while yours is in the shop. The 
savings are probably small, but your new-car warranty's roadside 
assistance provision may provide them at no cost.</li>
<li>Have your teenager
 share the family car instead of owning his or her own. Be sure to tell 
your agent if your son or daughter makes the honor roll or moves away to
 college. Both qualify for discounts with most companies.</li>
<li>If your group health insurance provides generous coverage, consider dropping the medical-payments portion of your policy.</li>
<li>Keep your credit rating healthy. A growing number of insurers are considering a person's credit score when setting rates.</li>
</ul>
</div>

How To Save Money On Car Insurance

How To Save Money On Car Insurance Most companies give a break to those who drive less than 7500 miles a year. If you take public trans...