How Do I Lower My Insurance Costs?

1. Stop getting into accidents. It may sound like a joke, but if you feel like you are cursed with high auto insurance prices no matter what you do, stop changing the radio station in the car, pay more attention to the cars around you, and make a real effort to be a safer driver.
2. Improve your credit score. No one likes having a credit check for car insurance, but studies show that people with poor credit get into more accidents. No one knows exactly why, but facts are facts. Improving your credit score overall can help when you shop around for your next auto insurance quote.
3. Stick around. Many companies offer discounts or other perks (like accident forgiveness) based on being with the company for a certain length of time. Find out what these perks are and then decide if it is worth it to you to stay with them that long.
4. Don't let your insurance lapse. Not having insurance will make your insurance more expensive. Companies like getting paid, and car insurance companies are no different. Pay your bill and keep your insurance current. After having a year of continuous coverage companies are more likely to give you a better rate.