Higher deductibles mean lower premiums. Although insurance companies use their own criteria to determine fair market value for vehicles, you can find out how much your car is generally worth by checking with your bank or using the Kelley Blue Book . Take advantage of low-mileage discounts Some insurance companies offer discounts to drivers who put fewer than a predetermined number of miles on their vehicles each year. Consider insurance cost when making a move Costs tend to be lowest in rural communities and highest in cities, where more traffic congestion occurs and the likelihood of theft increases. Ask about discounts for automatic seatbelts or air bags Your insurance agent should let you know about these discounts when you purchase your coverage.
Most policies give discounts for air bags and automatic seatbelts.
Some states, including Florida, New Jersey, and New York, require insurers to give discounts for cars equipped with antilock brakes. Some insurance companies give the discount no matter where you live. Plus, remember good-student discounts when you are insuring a teen driver.