Auto insurance rates vary dramatically in some states and you're likely to get hit hardest if you have a less-than-perfect driving record. Consumers also often discover that their insurer depreciates their vehicle and leaves them paying more than expected for car repairs. Too often, consumers don't realize the importance of having the right insurance until a loss occurs.
When it comes to shaving sky-high premiums, cash in on every possible discount. As you shop, don't be shy about asking for breaks--you may not always be told about the discounts you're eligible for.
For example, many insurers cut liability, medical, and collision premiums if you're accident-free, meaning you've had your policy with the same company and haven't been involved in an accident that was your fault for at least 10 years. You'll usually get a smaller discount after three accident-free years.
Discounts vary by state and by provider, so you'll want to evaluate the discount package program on a number of different insurance companies. Such things as air bags, antilock brakes, and antitheft devices also can result in significant discounts in your policy.
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