You can’t drive without insurance in most parts of the country. But not minding its importance, many wish they could go without one because of the cost. Bearing in mind that we can’t stay law-abiding without this policy, we are left with only one more viable option: Try to get it without putting a very huge hole in our pockets. I present to you five sure-fire ways to ensure you pay less without losing adequate coverage…

1. Don’t add a personal injury coverage to your auto policy if your health insurance policy already takes care of that —
That’s duplicating coverage. Make your personal injury protection as low as the minimum required by law in your state if your health insurance coverage takes proper care of you in case of an accident. It doesn’t make sense to pay premiums that won’t translate to benefits.

2. Given similar circumstances, an insurer will give a female driver a cheaper rate than her male counterpart. Therefore, if you’re married, buy your auto insurance policy in the wife’s name and let the man be listed as a secondary driver. For marriages that don’t have issues with ego and stuff like that, this is a good way to save on your rates.

3. If you can, take a course in defensive driving because this guarantees a good discount from most insurance carriers. The fact that such training programs make a driver less accident prone is a major reason for this discount. The more your profile is labelled a high risk, the more you’ll lower your rates by taking such a training. Over the course of, say twenty years, you’ll definitely save several thousands in premium dollars for being certified a defensive driver. Therefore, do your best to get trained in defensive driving from a recognized center. And unless you don’t care about getting lower rates, make sure your agent is informed once you complete this course.

4. If you must quickly get something inside, turn your car off, lock up and pocket your keys. Don’t leave your car unlocked and running. This is an open invitation to any thief sniffing around. Car thieves are known to go for easy targets. And what could be easier than a car that’s ready to be driven away — It takes just seconds.

5. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Also note that a neighbor not too far away might fall under a lower crime zone than you — This affects rates.

So, as part of your home shopping activities, check how this neighborhood will affect your auto insurance rate. The truth is that most people don’t think about this when they are about buying a home.

Remember, you might live in this home for up to 20 years or more. If its location makes you pay up to $300 more in premium, that will add up to $6,000 within that time frame.

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