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Good way to save on insurance? Don't cause car accidents

The Kane County Chronicle recently ran an article on ways for motorists to save money on car insurance. As our Elgin readers know, insurance can leave a hole in any household budget, but it is possible to save money while retaining good coverage in case of a car accident.

Perhaps the first and best way to save on insurance premiums is to drive safely. That means do not cause car accidents and do not get speeding tickets or get arrested for drunken driving and other offenses. Do those things - and let's face it, almost everyone wants to check off every box on that short list - and insurance rates will be far lower than for those who don't check them off.

A recent report from the National Association of Insurance Commissioners said the average insured motorist pays about $800 per year for car insurance, though in some states insurance on a single car can top $1,100.

For those looking for ways to cut those costs, households with teenage students who get good grades can qualify for a discount. If you have a college student who lives more than 100 miles from your home, and the student doesn’t have an auto at school, you might also be eligible for a discount.

Other ways to save:

  • Having an anti-theft device (car and keys embedded with smart chips)
  • A car equipped with anti-lock brakes and air bags
  • Putting all family vehicles on one policy
  • Paying the premium up front, rather than spreading it out over six or 12 months
  • Buying auto and homeowners insurance from the same insurer

One thing insurance companies won’t tell you in the aftermath of a car accident, though, is that it’s best for those injured to talk to a personal injury attorney first. In that way, they can understand their legal options for full and fair compensation before discussing a possible settlement with a company representative.

Source: Kane County Chronicle, "Clever tips and tricks to save on auto insurance," July 14, 2014

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