Good Driver Discounts: Good driving habits can pay off in various good driver programs and discounts. Here’s the key…..keeping your driving record free of accidents and tickets. That will save you thousands.
Loyalty: If you stay with the same insurance carrier for a long time, you could be rewarded with loyalty discounts.
Your Car: If you’re also shopping for your first car this can be key to saving on premium. As a young driver your dream car can be a expensive nightmare to insure. Check with your insurance agents while car shopping. They can give you quotes before you purchase the vehicle.
Your Deductible: For vehicles that have “full coverage” your deductible is the amount you will pay to fix your car if you were the one that damaged it. Once the deductible is met, your insurance coverage will kick in and cover the cost of repairs. The higher the deductible, the lower your premium payments will be. Your insurance agent can help you in reviewing your options.
Your Level of Coverage: your level of coverage also influences your premium. The more coverage purchased the higher the premium. In any case, discuss with your agent the coverage amounts you should have for your situation.