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How Much Can You Save on Your Car Insurance? Check insurance costs for the car you intend to buy. Your premium will be based on the particular cars sticker price, repair expenses, overall safety record, as well as potential theft possibility. Consider features that reduce the risk of injury or theft, such as daytime running lights or anti-theft equipment. Because the car insurance company may offer you premium discounts for a car with those features. Consider paying a higher deductible. It may sound odd. But if you increase your deductible from $300 to say, $500, the cost of your collision and comprehensive coverage would be reduced anywhere from 15 to 30 percent. A $1000 deductible would save you even more, perhaps more than 40 percent. Reduce coverage on your older car. The rule of thumb is to multiply your premium by 10. If your car is worth less than that total, think about dropping collision and comprehensive. « Previous Page « » Discuss it » Continue Reading »
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