Affordable car insurance, a new world
Driving very little can also lower your premiums: Some auto insurance companies offer lower rates to drivers who drive under a certain number of miles (say, 7,000) per year. Determine whether you really need certain kinds of coverage. For instance, if you live in a state that requires insurance for all drivers and uninsured drivers from out of state are rare, you can probably omit uninsured driver coverage. Also weigh the pros and cons of raising your deductible. Higher deductibles mean significantly lower premiums, but if you can't afford to pay a higher deductible if something happens, then raising your deductible is penny wise and pound foolish.