Bundle All Your Insurance Policies
Most insurance companies that offer multiple lines of insurance also offer discounts for bundling policies together. If they allow it, you can bundle your homeowner’s or renter’s insurance with your auto insurance and pay less overall.
Claim Any Car Insurance Discounts
In many states, insurance companies also offer discounts based on a driver’s safety, driver’s status (like accident forgiveness for good drivers, or student discount), policy bundling, or high safety-rated vehicle (think airbags). You need to ask your provider about these discounts and don’t leave money on the table. Suppose you live in California – in that case, the good driver discount is mandated by law to all drivers that exhibit good driving behavior—you can get up to a 20% discount!
Keep a Clean Driving Record
While shopping around for the cheapest quote is the best way to find a reduced rate, maintaining a clean driving record, free from accidents and violations, is the most effective way to keep it low. Of course, this is not always the easiest feat to achieve, even for the best of us. Still, as the saying goes, an ounce of prevention is worth a pound of cure. Obey the rules of the road, travel with plenty of time to reach your destination, stay vigilant while driving (no texting or similar acts, distracted drivers are the #1 reason for accidents), and never use drugs or alcohol of any kind before and when driving.