Four Ways to Save on Car Insurance

• Passive restraint systems: If your car comes with passive restraint systems, you may be eligible for a discount.
• Multiple vehicles: If you insure more than one vehicle with the company, the vehicles after the first car usually will be eligible for a hefty discount.
• Multiple products: Most insurance companies offer more than just car insurance. If you also buy homeowner's, renter's or life insurance from the same company, you will usually get a discount.
• Policy renewal: If you have been with the same company for a number of years, you may qualify for a discount when renewing your policy.
• Senior citizens: Many car insurance companies offer discounts for senior citizens.
• Low mileage: If you don't drive a lot, you can qualify for a discount.
• Good students: Students that meet a certain grade-point average may get a discount.
• Military service members: Those who serve in the armed forces can often get a discount.
• Low-risk occupations: If you work in a job that is deemed a "low-risk" occupation by the insurance company, you may get a discount.
• Professional organizations and clubs: If you belong to certain organizations such as AAA or AARP, you may qualify for a discount.
• Credit score: Insurance companies have found a correlation between credit scores and claims. If you improve your credit score, you'll likely get a discount on your insurance.
• Dependable cars: While this won't necessarily save you money at the moment, the type of car you own can have a dramatic effect on the cost of your insurance and is something to consider the next time you purchase a car. Choosing a safe, dependable car that doesn't have a lot of costly repairs can save you a lot in insurance payments over the years. Your insurance company can provide you with a list of cars that are the least expensive to insure.

By taking the time to review your car insurance rates yearly, you'll make sure that you save money and aren't paying more than you need to be.