QuickTips: Smart Vehicle Insurance Shopping

Check into discounts. Ask your insurer about premium discounts if you meet any of the following conditions:

• You maintain a good driving record

• You have multiple policies with one insurer

• You drive a limited number of miles per year

• You took a safe driving course

• Your car has safety features, such as air bags, automatic seat belts, anti-lock brakes, or permanently installed anti-theft devices

• You have a young driver in your household who has good grades, or is a college student who lives away from home without a car

Think about insurance premiums before you buy your next car. Before you buy your next car, check into how much it would cost to insure. Cars that are expensive to repair, or that are a favorite target for thieves, have much higher premiums.

Get the facts. Check the financial soundness of your insurer by asking for its rating from the A.M Best Company, Standard & Poor's, and Moody’s. Also contact your state insurance department for auto insurance and premium comparison guides specific to your state.