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What's more, you may be able to take advantage of additional savings if you've recently taken Sure, you'll have to pay more out of pocket if you have an accident, but if you increase your deductible by just several hundred dollars, for example, you could save anywhere from 15 to 40 percent or more in collision and comprehensive coverage costs. It's always good practice to set aside a portion of your monthly car insurance premium savings to ensure you can actually afford a higher deductible in the event There are a variety of additional car insurance savings you might be able to take advantage of, including discounts for teens who have good grades or who have taken an approved drivers' education course, for college-age drivers who go to school more than 100 miles away, for people who are over the age of 50/55 or those who are retired, or for people who belong to business groups, alumni groups or other professional associations. You can also save money on auto insurance if a group plan is offered at your place of employment. When it comes to discounts, be careful. An insurance company that offers huge discounts might charge the highest rates to begin with, so be sure to do your homework thoroughly before signing on the dotted In the eyes of auto insurance carriers, drivers with established and stable credit records have fewer accidents. That's why an increasing number of auto insurance companies consider credit scores when calculating rates.
There are a variety of online services that allow you to check your credit as well as those that offer advice about how to improve You can qualify for a car insurance discount from many carriers if your vehicle is equipped with safety equipment designed to reduce the risk of injury or theft, such as antilock brakes, automatic seatbelts, running lights or an alarm system. If you own an older vehicle, check its Kelley Blue Book value. If your annual comprehensive/collision insurance premiums are more than 10 percent of the current value of your car, consider dropping the coverage. Claims only occur an average of every 11 years, so there's a good chance any claim payment you might receive down the road could be less than While not exhaustive, this list gives you a good start in saving money on auto insurance.