If you own a car and drive it, going without insurance is generally not an option. In most states, you may be required by law to purchase a minimum amount of liability coverage. And you should probably have more than just the bare minimum if you want to provide yourself with adequate protection. There are steps you can take, however, to reduce your auto insurance costs without having to go to extremes. Some or all of these steps may be appropriate for you, depending on your circumstances.

Specific ways to save money on auto insurance
Increase your deductible: For many people, raising the deductible on their auto insurance is a good way to cut the cost of the policy. Sometimes you can reduce your annual premium by 10 percent or more if you increase your deductible from, say, $250 to $500. If you do this, however, make sure you have the financial resources to handle the larger deductible if and when, the time comes.

Narrow the scope of your coverage: If you drive an older car worth less than $1,000, it may be cost-effective to drop collision and comprehensive coverage. The rationale is that even if the vehicle were severely damaged in an accident, the amount the insurer would pay for its repair or replacement would be relatively small.

You might also consider dropping any options you may have added to your policy (special provisions for items like towing and labor, car rental, and loss of income). Removal of these items may reduce your premium somewhat, but will also expose you to the costs in question.

Lower coverage amounts: You can also reduce the amounts of certain coverages. Again, be careful. You don't want to be inadequately insured, especially in the area of liability. You should almost always keep your liability coverage at as high a level as possible because this is where you can have the greatest losses. You may be able to lower your coverage amounts in other areas (such as collision and comprehensive), but don't rush into such a decision just to save a few bucks. Talk it over with us first.

Drive less: If you drive less than a certain number of miles in a year, you may qualify for a low-mileage discount. If the insurer offers this discount, try to limit your driving as much as possible. If you commute to work, use public transportation instead of driving. When you go away on vacation, fly, rent a car, or take a train.

Don't use car for business purposes: Since work-related driving generally subjects you to a higher premium than pleasure driving, it may be in your best interest to stop using your car for business purposes if saving money is one of your goals.

Drive more safely: You may be eligible for a price break on your policy if you maintain a clean driving record for a specified period of time. A clean driving record generally means no accidents, moving violations, driving convictions, etc., during that period. The best way to qualify for the applicable discount is to drive carefully and defensively at all times.

Buy a low-profile car: Cars are rated on a risk scale for auto insurance purposes. In general, sports cars and other high-performance, flashy vehicles are classified as higher risks because they are common targets for thieves and vandals, and because statistically, the people who own them tend to drive more aggressively. If you own such a vehicle, you will likely pay a higher premium than if you owned a 4-door sedan, minivan, station wagon, or other low-risk vehicle.

Move: If you live in a rural community with little crime and traffic congestion, your premium will generally be lower than if you live in an urban area where your car is more likely to be stolen, vandalized, or involved in an accident. Granted, you shouldn't move just to cut your auto insurance costs. However, this may be one of many factors in your decision if you're thinking about relocating from the country or suburbs to the city.

Keep your car in a garage: Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles.

Have safety/antitheft devices installed: You may receive discounts on your insurance if your car is equipped with one or more of the following options: anti-lock brakes, automatic seat belts, and airbags. Similarly, antitheft devices such as car alarms and tracking systems (e.g., Lojack) may also get you a discount because they reduce the chances of your car being stolen or vandalized.

Inquire about multipolicy discounts: You may be eligible to receive a discount from the insurer if you buy more than one type of policy through that same company (e.g., auto and homeowner's). A discount may also apply to your auto insurance if you insure multiple cars under the same policy or with the same company.

Other discounts: Other discounts may be available if you meet certain criteria, so be sure to ask us about this very important topic when reviewing your policy with us. 

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Please Note: The information contained in this Web site is provided solely as a source of general  information and resource.  It is a not a statement of contract and coverage may not apply in all areas or circumstances.  For a complete description of coverages, always read the insurance policy, including all endorsements.