Tip 1: – Try and increase your ‘excess’ or ‘deductibles’. The excess is normally the amount you pay for a claim before your insurance makes the contribution. Since most of us do not claim all deductions due to insurance premium escalation, it is wiser to keep the deductible at the lowest, most comfortable level. For example, if you increase your collision deductible from say 200 to 500, you will end up saving 15% to 30% on your annual auto insurance premium.
Tip 2: – While filling out your auto insurance application, always drop the collision coverage. Collision coverage covers the cost of repairing damage done to your car regardless of who was at fault. In the event that you drive an older car, always consider dropping collision coverage if your premium works out to more than 10% of the car’s value.
Tip 3: – There are certain special discounts available on auto insurance, especially if you have a security alarm, anti-lock brakes or air bags installed in your car. Avail of them, by informing the insurance company that your car has these features.
Tip 4: – Avail of any ‘good driver’ discounts...
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