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Hidden Ways to Cut Car Insurance In addition, tickets, traffic school credit, and accident fault are sometimes not accurately reflected in state data, costing consumers hundreds or even thousands of dollars. Drivers should report errors to both their state motor vehicle department as well as their insurance carrier. Double-Check Accident Reports. Local law enforcement and insurance accident reports occasionally include mistakes that will result in a higher rate. Accident reports are separate from motor vehicle records. Accident reports affect insurers' decisions and rates on a cumulative basis particularly if the driver has tickets or accidents down the road. Never Let Coverage Lapse and Review Deductibles. Maintaining coverage without lapse makes a significant difference in rates. Separately, while deductible amounts initially save drivers in the event of a quick claim, they cost consumers more in the long run due to higher premiums. « Previous Page « » Discuss it » Continue Reading »
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