1. Maintain an accident free driving record (applies to all licensed drivers in the home)
2. Maintain a ticket free driving record (applies to all licensed drivers in the home)
3. Maintain a high credit score (sometimes referred to as an insurance score)
4. Have all your policies with the same company and the same agent
5. Increase your deductibles and use the savings to buy higher liability limits
6. Remove collision and comprehensive insurance on an older vehicles
7. Qualify for as many special discounts as possible (auto/home, good student, multi-car, ect.)
8. Assign higher risk drivers to older lower risk vehicles
9. Buy a car with lower rates (family type cars, not sports or luxury cars)
10. Meet with your agent a least once a year to review and update your policies

1. Increase your deductibles and use the savings to buy higher liability limits
2. Have all your policies with the same company and the same agent
3. Qualify for as many special discounts as possible (auto/home, new home, home renovation, quality roofing surface discount, etc.)
4. Maintain a high credit score (sometimes referred to as an insurance score)
5. Meet with your agent a least once a year to review and update your policies

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