Statistics show that the farther you drive, the more likely you are to be involved in an accident and the more you'll pay for insurance. Some companies offer discounts to those who drive fewer than a predetermined number of miles annually, while others offer discounts to carpoolers. Become a defensive driver. One at-fault accident or major traffic violation can increase your rates by as much as 40 percent. In some cases, it can place you in a high-risk category.
Some companies reward policyholders for remaining accident-free for a certain period of time.
Often, the cost of vandalism and auto theft is overlooked, which invariably costs us all. Always lock your car and park under street lights. Make insurance part of your overall moving plan. Costs tend to be lower in rural communities than traffic-congested cities. Contact the Ohio Department of Insurance for an auto insurance shoppers' guide.