For tips directed specifically at young drivers and their parents click here.
Compare premium rates for identical coverages and terms.
Maintain a good driving record that doesn’t have moving traffic violations and/or chargeable accidents.
Raising your deductible on comprehensive and collision coverage can lower your monthly premium. However, that will raise your out-of-pocket expense if you do get in an accident.
Determine the Cost of Insurance Before Buying a Car
The make, model, and color can increase your premium rates.
- Young Singles: Avoid high performance or “turbo cars.” A turbo engine can add more than 10 percent to your premium.
Consider Having Only Liability Coverage
You can save on your premiums if you have only liability coverage. If your vehicle's value is less than $3,000, consider forgoing full coverage (comprehensive/collision).
Keep Your Coverage Up to Date
Review your personal automobile insurance coverage periodically with your agent and update if necessary.
If you insure two or more vehicles with the same company, you may get a discount.
Ask About Your Car's Features
You may get a discount depending on your car's safety features. This includes things like airbags and anti-lock brakes.
Bundle Your Insurance
Often insurance providers will give you a discount if you have other insurance policies with them: things like homeowners, renters, life, or health insurance.
This article is published on KansasMoney.gov.
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