My best advice I can give you to cheapen your auto insurance is to improve your credit, don't pimp your ride, and clean up your driving record. Many auto insurance sites are just designed just to get you into a policy or resell your personal info to many agents. My site is full real world of tips you can use, without the weird financial language.
Auto related insurance facts:
The cost of the average disabling injury caused by an auto accident is $35,000.
The average annual premium for American drivers is $785. This varies from a low of $557 in Iowa to a high of $1146 for Drivers in New Jersey.
The average cost of an auto accident resulting in one death is over a million dollars.
Auto Insurance Discounts:
You may not know it, but there are many potential ways to get discounts on auto insurance. Below are the three main discounts available on auto insurance. Usually the insurance carriers will give them to you automatically, but it costs nothing to ask.
Multiple vehicles (if you have 2 more cars with the same insurance carrier).
Multiple policy (auto and homeowners combined) through the same carrier.
Verified mileage adjustment, if you are driving significantly lower miles from one year to the next. Not recommended if you increase your driving!
Safe driver discounts for policyholders who have not had any accidents or moving violations for a certain number of years.
Here are more auto insurance discounts that are less common and your savings may not be as significant:
Buying an insurance policy directly from the insurance carriers website.
Elderly-retired discount. This discount may decline for drivers aged 60 to 69.
Economy car discount when the vehicle qualifies for the economy car discount as identified in the symbol and identification pages of the company's manual. This discount applies to bodily injury and property damage liability coverage.
Occupation specific like the "engineer" or "scientist" discounts which could save you up to 30% if you are in those professions
Daytime running light discounts applies to collision coverage for vehicles that are equipped with a daytime running light system.
Group plan discounts from your employer, professional association, credit union or alumni group.
Loyal or good customer discounts for staying with the company for more than a certain number of years.
Student or college graduate discounts usually rankings scholastically among the upper 20 percent of their class or have a "B" average. This discount reduces bodily injury and property damage liability, medical payments, comprehensive and collision coverage premiums
Automatic Seat Belts Discount for cars that have automatic front seat belts. The discount applies to the base premium of medical payments coverage.
Air bags, driver-side or both sides discount usually applies to the base premium of medical payments coverage.
Active anti-theft device discount that only applies to devices that sound an alarm audible at a distance or a device that actually disables the vehicle by making the fuel, ignition or starting system inoperative. This discount applies to comprehensive coverage.
Anti-lock brake discount when factory-installed on all four wheels. Premiums for liability and collision coverage are reduced.
Excellent or superior insurance score - credit rating, proving you are responsible.
Teacher discount can save you up to 30% if you're a state certified educator, full-time college or university professor or NEA member.
Paying your annual auto insurance premium up (aka paid-in-full discount)
applies to bodily injury and property damage liability, medical payments, comprehensive and collision when the policy is paid in full at time of the application or renewal. In many cases, it's not really a discount, but it can still save you 5-9% off financing.
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