Some insurance companies offer discounts to drivers who put fewer than a predetermined number of miles on their vehicles each year. No. 6 Consider insurance cost when making a move. Costs tend to be lowest in rural communities and highest in cities, where more traffic congestion occurs. Find out 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.
Ask about anti-lock brakes. Some states, including Florida, New Jersey, and New York, require insurers to give discounts for cars equipped with anti-lock brakes. Some insurance companies give the discount no matter where you live. Ask about other discounts. Some companies offer discounts for insuring more than one car, having no accidents in three years, being a driver over 50, taking driver training courses, and having antitheft devices.