2. Lower the Mileage
If you pass more than 10,000 miles a year, it's more probable that you'll pay more for the car insurance services. And why is that?
When it comes to the insurance policy questionnaire you'll need to fill before you sign the contract, it includes the questions related to the mileage you drive. If it takes you more time to arrive at your job, for example, the more expensive premium will be.
The auto insurance fellas see that as a circumstance for a possible accident since you spend a lot of time on the road. The best option would be to avoid driving as much as possible. Try using public transport, bicycle or your feet – it's eco-friendly, budget-friendly and it brings some healthier habits to your everyday life.
3. Drive Carefully and Consciously
Not only you save the money, but you also make sure you don’t bring yours, or someone else’s life in danger. If you have a clean driving record, you gain the company's trust, and they reward you with a cheaper insurance policy.
If the company sees that your record contains accidents and violations
, they will charge the premium expensively
. When someone seems like an unreliable driver, he or she represents the financial threat for the company, and it needs to protect itself somehow.
Speaking of violations, even the smallest ones count as a minus. For example, some insurance companies tend to increase their services for even 11-13%
if you have a speed ticket which depends on how fast you were driving, the speed limit, and the state laws.