While reducing liability coverage and raising deductibles may lower premiums, there are other ways to lessen your rates without sacrificing any coverage.
Some insurers offer a discount to drivers who consistently prove to be safe drivers by not receiving moving violations or being involved in accidents. At the least, keeping a clean record will prevent extra surcharges from being added to your premium.
Customers who do not lapse in their insurance often receive a better premium when applying for new coverage.
Drivers who participate in official courses in defensive driving may see reductions in their rates, especially if accidents or moving violations appear on their driving records.
For drivers over 55 years of age, these refresher courses can improve skills while reducing rates.
Certain vehicles are cheaper to insure depending on their characteristics. A basic Volvo and a powerful Chevrolet Corvette are likely to have very different rates.