Set aside funds to cover your deductibles in your credit union share savings or money market account. You often will get a better rate by insuring all the vehicles in your family through the same company. Add your homeowners policy, and rates are likely to fall more. But once again, be sure to compare. Policy consolidation usually results in lower overall cost, but there are exceptions.
Insurance companies give significant discounts for spotless driving records.
And if you don't have a good record, start working today to improve your driving habits. If you have accidents and traffic offenses on your record, you're paying a hefty insurance penalty. Look for financial stability in choosing an insurance carrier. Once again, your state insurance commissioner's office can give you information about the companies you're considering. Remember that when you select an insurance company, you're entering a partnership that could affect your future financial stability.