Lower or eliminate your comprehensive or collision coverage.
If you can afford to pay for most repairs out of pocket, you might consider raising your collision and comprehensive insurance deductibles at the very least.
Consider dropping MedPay if you live in one of the few states that requires personal injury protection (PIP) and provides coverage for medical payment (MedPay). Typically, PIP covers more than just MedPay.
Ask about Special Discounts Your insurance company may offer you standard discounts, such as discounts for purchasing a home and auto policy together or for paying off your policy completely.
Different insurance agency offer different expense limits, including great understudy limits.
Take active measures to avoid accidents, auto theft, and tickets to improve your driving and claims records.
Your premium rate could go up if you file a claim.
Also, if there were no other people or property involved, like in a fender-bender between your car and a garage wall, don’t file a claim.
