1. Raise Your Deductibles - Most drivers want the lowest deductibles they can have and doing this raises your insurance cost. Drivers have to remember that insurance is for the big issues you may have and not the small issues. 2. Carry All Your Policies Together - If you have a Renter policy or a Home policy along with a Auto policy you are missing out on discounts if you don t have them with the same company. Most discount save you anywhere from 10%-15% on each policy. 3. Take A Defensive Driving Course -More and more companies are offering discount for those who take a defensive driving course. 4. Stay With Your Current Insurer - Many companies are beginning to offer discounts to their clients for being with the same company over a period of time. 5. Being Previously Insured - When you are looking for a good rate insurance companies want you to be previously insured. If you have never been insured and you are looking for insurance the cost will be higher than if you have insurance and trying to save money. 6. Electronic Funds Transfer - Discounts will come if you put your policy on EFT. This will increase the retention for the insurance company and they will offer a discount if they are able to withdraw the money from your checking account instead of having to bill you every month. 7. Get Married - It is well known that once you get married your auto insurance cost will go down. 8. Put Your Older Car On Liability - If you have an older car the advantage of having full coverage doesn t benefit you. If you car is totaled out and it is worth $1000 having $500 deductibles wont make it worth wile. 9. Shop Around - Do not take the first low quote you hear. If you get 3 or 4 quotes you could see a $200 to $500 difference from company to company. Every company has different rating factors which can explain the pricing difference. 10. Credit Score - Like it or not, having quality credit will help you maintain cost effective auto insurance. 11. Good Student Discount - If you are a student driver almost every company will offer a discount for good grades. With just about every company a good student discount requires a student to carry a 3.0 or B average. 12. Pay Lump Sum Premiums - If you pay the six month or yearly premium in one or two payments, many companies will offer a discount. 13. Check Your Policy - When you get your policy in the mail take a look and make sure that the cars, address and drivers are all correct. This can cause your insurance to drop if it is incorrect. 14. Buy A Car You Can Afford To Insure - Before you buy a car check to make sure you can afford the insurance. High performance cars can come with high performance insurance cost. 15. Find A Good Agent - Look for an agent who you have agood rapport with. If you get an agent that you are not comfortable with he may not be looking out for you.
For more information on Metlife Auto and Home Insurance, Pet Insurance and any other kinds of insurance including Life, Renters, homeowners and more visit http://www.mmcenery.metlife.com
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