一、 比较不同的保险公司

　　不同的保险公司有不同的保险报价，因而货比三家，向三家不同的保险公司询问报价(Car Insurance)，你一定会有所收获和回报。
保险公司价格的信息 http://www.consumeraction.gov/insurance.shtml

　二、买车之前，比较不同的保险费用

　　买新车或二手车之前，你应该仔细地调查一下各种不同种类的保险及费用。汽车保险费一般是基于该车的标牌价格(sticker price)、修车成本、该车的安全行驶纪录和失窃可能性而定的。很多保险商会提供给具有减少损害和失窃可能性特征的车一定的折扣。这样的特征包括日间运行车灯和反偷窃的安全装置。
你可以查询“高速公路安全保险协会”(Insurance Institute for Highway Safety)， http://www.iihs.org

三、提高可扣除保险金 (Deductibles)

　　可扣除保险金是获得交通事故保险付费以前必须支付的金额。通过要求提高可扣除保险金，你可以减少大量的保险费用。比方说，把可扣除保险金从200美元提高到500美元，你的汽车碰撞和综合保险费用可以减少15%~30%.如果可扣除保险金提高到1000美元，你的保险费用可以节约40%或更多。但是，决定选择较高的可扣除保险金之前，你必须确定你能够留出足够的钱以防发生事故时能支付它。


四、减少旧车保险的承保范围

　　仔细考虑为旧车购买碰撞保险 (dropping collision) 或是综合保险 (comprehensive coverages)。上网查阅凯莱蓝宝书 (Kelley’s Blue Book)，网址是 http://www.kbb.com

五、在同一家保险公司购买房屋和汽车保险(Car Insurance)

　　如果你购买两项或两项以上的保险，或向同一家保险公司购买一辆以上的汽车保险，你的保险费也有可能被减少。

　六、保持良好的信用纪录

　　建立可靠的信用记录有益于降低你的保险费用。为了保护你的信用等级，你需要准时付清账单，避免超过你实际需要的信用卡支出，保持尽可能的低的信用卡欠债余款。定期检查你的信用记录，一旦发现错误立即纠正，并且力保信用记录的准确性。

七、利用低里程折扣

　　一些保险公司会给每年驾车低于年均驾车里程的人提供一定的折扣。
　八、谘询集体保险

　　一些保险公司会给购买集体保险计划的驾车者提供减价的保险。这种集体保险可以是通过公司雇主购买，或者是通过专业人员、商业或校友团体等集体购买。询问你的雇主，或是你所参加的团体或俱乐部是否你有享受集体保险的
可能性。

九、获得其它的折扣

　　保险公司会给那些多年无车祸或驾驶违犯纪录的保险客户提供折扣。
如果你参加了防御性驾驶课程(Defensive driving course)，你或许也可以从保险公司获得回扣。如果你是年轻的驾车者，并且是有良好驾驶学习成绩，或参加了专门的驾驶学习课程，或者你是远离家乡的没有车的大学生，你或许可以有资格获得低价格的保险。需更多信息，查消费者保险服务(National Insurance Consumer Helpline, NICH)

We all want a bargain, and car insurance goes up every year. There are discounts if we can satisfy some basic criteria. Make sure you ask your agent if you qualify for any of these discounts. Here's a list of things that might get us discounts off our insurance:

Car Insurance Discounts You May Qualify For

1:AIR BAGS And AUTOMATIC SEAT BELTS

2:ANTI-THEFT/ALARM

3:ANTI-LOCK BRAKES(ABS)

4:DRIVING SCHOOL

5:SAFE DRIVER

Some companies give drivers under age 25 who complete a state approved drivers education class up to 10% off on Bodily Injury, Property Damage, Medical Payments, Personal Injury Protection and Collision coverage.

6:MULTI-CAR or HOME & CARIf

you insure 2 or more vehicles on the same policy some companies may give you a discount. They may be equally generous if you have your home and both cars insured with them as well.

7:SAFE VEHICLE

Car insurance companies classify certain cars as "Safe Cars", meaning there's statistical data to suggest that there's less risk of injury by way of design, air bags ABS, etc. Find out if your car qualifies for this discount.

VIN# Window Etching can Lower Your Insurance Premiums up to 15%

If the car dealer say it's already on the car and can't be removed, don't buy the car and save yourself $300-$900. You can get your own VIN etching kit cheaper online.



Bad Credit Causes You To Pay More For Insurance
Many car insurance companies run credit checks on you before the application is signed.




Avoid Insurance rip-offs!

Car insurance rip-off capital of the world. Be wary of cheapie insurance agencies with stupid TV or radio ads claiming to be the lowest price. When I was young and stupid, I went through 10 insurance companies in 5 years, because they all low balled me. A month after signing,