June 18, 2008
Albany--When you get that insurance bill in the mail you may wonder what you can do to reduce the premium.
Have you thought about checking your car insurance?
You might be eligible for some discounts if you ask about them.
With gas prices hovering around $4 a gallon, you may be driving less and that may qualify you for a discount.
"Normally most companies will do what they call a short rate if you drive less than 7,000 miles a year the rates are generally less," said Lonnie Mathis, Allstate Insurance.
Another way to reduce what you pay for your policy is to carpool if you can.
Most companies will offer carpool discounts, at Allstate it only takes a few clicks of the mouse.
If you take a defensive driving course that's even better, you can sometimes save 10% or more.
"The law states that a person with a good driving record usually three years of accident free and ticket free driving can get an insurance discount," said Debra Storm, Dougherty County DUI School.
And you don't have to be a bad driver to take a defensive driving course.
"We are about learning how to be more safe on the roads, we're about learning how to avoid accidents, how to follow the law and save money, the defensive driving class costs $75 and the insurance discount is 10% for 3 years that's a lot more than $75," said Storm.
And no matter how little the savings are, these days every little bit helps.
Your credit score can also help you.
If you've got a good credit history, you may qualify for a lower insurance rate.
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