7 Ways that you can save money on your Auto Insurance

How many times have you heard someone say that "the cost of auto insurance is out of control and there isn't anything that I can do about it".

Well that's not quite true. While the rates in our area are some of the highest in the nation, there are still some things that you can do to control the cost of your own policy.

Your Driving Record.
Drivers with no points are guaranteed the lowest rates that companies offer. Some companies offer forgiveness programs which forgive the first minor ticket.
Your Collision and Comprehensive Deductibles.
You can save premium dollars by choosing higher deductibles or eliminating coverage for older cars that are already paid for.
Your auto-related health insurer option.
You can save premium dollars by choosing your health insurer as "primary" in the case of auto-accident related injuries. It is important to check with your health insurer before choosing this option.
Your Personal Injury Protection Deductible.
You can save premium dollars by choosing a deductible of $500, $1,000 or $2,500.
Your lawsuit threshold option.
You can save premium dollars by choosing the "verbal threshold" This limits lawsuits brought by you against the other driver, except in the cases of death or serious injury.
Your vehicle options.
Generally, higher priced cars and high-performance vehicles cost more to insure, because they cost more to fix if they are in an accident or replace if they are stolen.
Your multiple car discount.
Insuring two or more cars on one policy can reduce your premium.

For additional information call or e-mail O'Neill & Associates

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