Auto Insurance

Get your discounts. Make sure you get all the discounts you may qualify for. Check on discounts for safety and security features. Safety features can also lower your payments. Heading the list of money saving safety features is antilock brakes. Check to see if the insurance company you have or are considering gives a discount for this feature. Automatic seatbelts and airbags may also give you premium discounts.

Stay clean. Keep your driver's record clean; avoid tickets, especially moving violations. Drive a car that is less popular with thieves, inexpensive to repair, and/or an older model. When shopping for a new car, check with your insurer about insurance costs as well.

Raise your deductible. Talk to your agent or insurer about raising your deductibles on collision and comprehensive coverages to $500 or more. Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according to the terms of your policy. The higher your deductible, the more money you can save on your premiums. If you have an old car consider dropping these coverages altogether. Taking these steps can save you hundreds of dollars a year.

Check for a low-risk occupation discount. Insurance companies collect information about what types of people get into accidents. Over the years they have seen trends that show that drivers in certain occupations tend to get into fewer accidents. These occupations are then labeled "low-risk". Since, on average, drivers in these occupations have a lower chance of getting into an accident, insurance rates for them are lower. Check with your insurance company or agent if you are in a low-risk occupation.