You can’t escape the barrage of auto insurance ads on TV (unless you turn the set off), but you can take some concrete steps to reduce your car insurance premiums – in ways that are perfectly legal, but that might tick off a talking gecko.
Average car insurance premiums tend to vary from state to state, with Louisiana demanding the highest average rates in the nation, at $2,510.87, and Maine at the low end of the spectrum, at $902.85.
No matter where you live, you can usually save some significant coin on your car insurance if you follow the following steps:
Get some “rec” room. If you work at home, or have a second car sitting in your garage that you drive occasionally, you may qualify for a lower “recreational vehicle” insurance rate.
Insurance companies are all about playing the percentages. The less you drive a vehicle, the less at risk you are to get in accident and force the insurer to pay out. Insurers, therefore, will offer lower rates for a car that’s not used to commute to work or to school. The cut-off rate for mileage is usually about 7,500 miles per year. Check with your insurer for details.