Keep the following list of possible discounts available and ask for them all when you get car insurance quotes (many might be applicable to homeowners as well.) Accident-free, multiple cars, short mileage (usually less than 7,500 miles per year) good student, absent student (if your kid is away at school without their car, they might reduce your family rate), over 50, graduate of defensive driving course, nonsmoker, airbags, antilock brakes, automatic seatbelts and antitheft devices. Any of these possible discounts could save you money. And when you’re done reciting them to the insurance company, be sure and ask, “Did I leave anything out? Do you have any other ways for me to save money?”
We have all been ripped off. If you want to avoid that sickening feeling in the future, follow these simple rules.