you discounts on your premiums.
Ask for Rate Reductions: Life is in a constant state of flux, so why should your auto insurance remain unchanged year after year? Insurers will reduce your rates if you have moved to the suburbs or gotten married. You could even get a reduction on the basis of your good driving record.
Maintain Good Credit: A good credit record will endear you to insurance companies because people with good credit ratings are believed to file fewer claims.
Buy Insurance Online: The online insurance market is gaining everyday because buyers end up saving on agent commissions. Moreover, the online platform allows car owners to shop around extensively before zeroing in on a policy that gives them adequate coverage and suits their budgets.
Be Careful with Other Drivers: If you hire a driver or allow somebody else to drive your car, ensure that they drive safely. A traffic violation or accident while somebody else was behind the wheel would result in higher insurance premiums for you.
Pay in Full: Avoid making monthly premium payments as these come with a monthly payment charge. If possible, pay at one go to avail of the cheapest rates.
—The author is the CEO of MyInsuranceClub.com