| Your Job. While people in high-risk professions do pay more for all of their insurance (life, medical, and auto), there are some occupations that can garner lower rates. Engineers and teachers generally have discounts available to them that the rest of us do not. As well, if you work for a major corporation, or are a member of a trade union or other professional organization, you may be offered discounted Car insurance as part of the standard benefits package.
Your Age. Achieving senior citizen status doesn't just mean a few extra gray hairs or a longer holiday card list. It can also mean getting an insurance discount for being a "senior driver." A side benefit of age is that if you've stayed with the same company for years, you may also get a "persistence" discount as a reward for your loyalty.
Your Risk. Increasing your out-of-pocket expenses by taking a higher deductible will keep your premiums low, but it also means you have greater exposure if you do get into a serious accident. As well, you can reduce your coverage if your vehicle is completely paid for (this option isn't available if your car is financed as your lender will require comprehensive coverage to protect their investment).
Your Total
Package. You can also improve
your Car insurance rates by bundling
your home, life and auto insurance
with the same company. Most insurers
will discount for any pair (auto-home
or auto-life), and then discount further
for the entire package.
You've already used we to help find the right car or truck for your lifestyle. Use these tips, and let us help you find the best insurance package, as well.
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