Car insurance is almost always cheaper when you live in the country. People who live in rural areas are less likely to be involved in a collision or have their cars stolen. This article discusses seven factors that could potentially save you more money: Factor 1 is policy discounts, Factor 2 is mileage and car condition, Factor 3 is higher deductibles, and Factor 4 is credit score.
Factor 1 of 4: Policy discounts
Multi-car discount: If you have more than one vehicle, put them all on the same policy. Having two or more vehicles insured on the same policy will almost always get your premiums reduced.
Multi-policy discount: If you have homeowner’s or renter’s insurance, talk to your insurance agent about adding your car to the policy. Bundling can provide discounts on both policies, which will often save you lots of money.
Group policy discount: Even if you only have one employee who works around your farm, check into a group policy. It could make car insurance cheaper for you and your employee.
Factor 2 of 4: Mileage and car condition
Low annual mileage: If you work at home or only drive into town once or twice a week, you could qualify for a low-mileage discount. The amount of miles that would qualify you for this discount varies, depending on the car insurance provider. In general, though, it is 7,500 to 15,000 miles each year or 144 to 288 per week.
Older, less valuable car: If you drive an older car, drop your collision and comprehensive coverage and keep only liability. A car that isn’t worth at least 10 times as much as the car insurance premium isn’t worth carrying full coverage on. Find out the Blue Book Value on the car at Kelley Blue Book
.
Part 3 of 4: Higher deductibles
Get higher deductibles on your policy. The higher your deductibles, or the amount of money you have to come up with if your car needs to be repaired, the lower your premiums. If you never have to file an insurance claim on your vehicle, you will save lots of money with higher deductibles.
Keep in mind, though, that you will have to come up with the whole $500 or $1,000 to pay the higher deductible if you are involved in a collision that causes serious damage.
Part 4 of 4: Credit score
Improve your credit score to get cheaper car insurance. If you can raise your credit score to above 580, 620, 680 or 720, you will save money on your car insurance. The cost of insurance goes down further with each increment. If you don’t know your credit score, go online to a site like Credit Sesame
or Free Credit Report
to get your score and a free credit report. If your credit score is low, do the following to bring it up: Pay your bills on time every month.
Get a credit card, buy something with it, and pay the balance due in full by the due date each month.
Part 4 of 4: Shop around for the cheapest car insurance
Follow these steps to find cheap car insurance:
Step 1: Find out your car’s year, model and make, if you don’t already know it. You will have to know this information in order to get an accurate car insurance quote.
Step 2: Check with your homeowner’s or renter’s insurance provider first. Find out how much it will cost for you to bundle. Don’t just go ahead and add the car, though. Do some shopping.
Step 3: Get more car insurance quotes for comparison. You can make this step quicker by going to a website like Progressive
where they give you multiple quotes from other insurance providers. Step 4: Check the rating on the car insurance providers that give you the best rates. Consumer Affairs
has good information on many of the most commonly known insurance providers. 
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