Saving Money on Your Auto Insurance
What Can You Do?
Choose a safe car.
When you buy or lease a car, choose on the basis of
safety features and the cars record of crashworthiness, if it is
easily damaged and repair costs. If the safety features you want such
as air bags are not offered, complain to the auto makers. Some of
them already are getting the message. Safety sells.
- Drive smart.
Drive carefully and use safety belts and child
restraints. Always drive defensively and stay alert. Never get behind
the wheel impaired by alcohol or other drugs. Obey speed limits and
other traffic laws. Set a good driving example for your children.
Support enforcement efforts by the police and courts against drunk driving.
- Fight insurance fraud.
Fraudulent claims can cost your insurance company
millions of dollars each year. These costs are passed on to you, the
policyholder in increased premiums. Report fraud to your insurance
company to the State Insurance Department or to law enforcement agencies.
- Talk to your agent about ways you
You may be able to reduce your premiums by reviewing
your policy to reassess the coverage you have. Are your deductibles
too low for your financial situation? Do you need the optional
coverage? Does your coverage duplicate other coverage you have? Your
agent or company representative can help you analyze your policy to
identify savings. Shop for auto insurance: compare prices, coverage
and quality of service. Keep your driving record clean to get lower
premiums. Take advantage of discounts offered by your company.
- Secure your automobile -- prevent
Many companies offer discounts if you install an
active or passive auto anti-theft device in your car or if you etch
the vehicle identification number in the corners of your windows.
Park your car in a protected area. Always lock your car. Never leave
packages or belongings in sight in your car. Avoid known high-risk
- Help control medical costs.
Quality medical care is not necessarily the most
expensive. Challenge doctor or hospital fees that appear to be
unreasonable or that seem to be unnecessary treatment. Educate
yourself on appropriate medical treatments and avoid unnecessary
medical charges from your doctor and hospital.
- Lower your repair costs by using
competitive replacement parts.
Replacement parts supplied by someone other than the
auto manufacturer can save up to 33 percent on repair costs.
Certified replacement parts have been found to be equal in quality to
the original manufacturer s parts with warranties that also are equal
or better. Used parts are also a cost effective alternative in
quality auto repairs.