Finally, the type of coverage you purchase also affects your rate. For example, many people do not purchase medical payments, towing, or rental in order to keep premiums lower. First, be a safe driver without tickets or accidents. If you are a safe driver, you will get better rates. Most companies look at tickets and accidents in the last three years, although some companies may look at the last five years.
Some companies consider multiple alcohol violations regardless of the timeframe.
Second, keep your vehicle insured at all times . Most companies now offer a discount if you have current liability insurance. Some companies will even offer lower down payments to those who have had insurance without a lapse for six months or a year. Consider a higher deductible , you'll probably realize a considerable savings. The higher the deductible, the lower the premium.