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Auto insurance is a legal requirement for anyone who drives in the United States. Most states require that you have at least bodily injury coverage that protects other drivers when you are at fault in an accident. However, not everyone pays the same amount for car insurance.
There are things like age and gender that you have very little control over that affect your insurance rates. But there are also things you can do to help keep your rates as low as possible. The most common types of auto insurance discounts are for drivers who have multiple cars insured through the same agency.
There are also discounts for drivers who purchase more than one type of insurance from the same insurance company. When you buy a package that includes home insurance or life insurance, you can lower your costs on each type of coverage you buy, resulting in a discount on all the insurance you own.
Having a clean driving record is another way to get a discount. Most insurance companies will offer discounts to drivers who have not been involved in an accident or received a traffic ticket in the last three years. Many insurance companies also offer discounts for drivers who attend defensive driving schools because this reduces the risk of the driver being involved in an accident. Vehicle modifications can save you money on your auto insurance.
Adding any equipment that makes the car safer, such as airbags or anti-lock brakes, increases the safety of the driver and passengers in your car. These modifications often lead to less serious injuries when the car is involved in an accident, which means the insurance company doesn’t have to pay as much for medical bills. Anti-theft devices can also earn you discounts.