Collision and comprehensive coverages, which pay for damage to your vehicle, are not included. How to Find the Best Rate Shop for the company and agent that offer the best service for the best price. If you have a clean driving record, avoid companies and agents that advertise to high-risk drivers. Their premiums often are higher. If you are offered coverage through a county mutual or nonstandard company, ask why you are considered a higher risk than drivers in companies that offer lower rates.
Different companies charge different rates.
Get quotes from several companies before you buy. Independent agents may represent several companies, while some agents represent only a single company or company group. Some companies market their policies directly to consumers without using agents. Deductibles You can save money on your premiums by increasing your policy deductibles. Discounts Can Save You Money You may qualify for discounts on your rates.