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A higher deductible can lower your premium, but make sure you can afford it in case of an accident.

Look for discounts for safe driving, good grades, safety features, or bundling policies. Many insurers offer student discounts!

Fewer miles driven can reduce your premium. Consider a pay-per-mile policy if you don't drive much.

A better credit score can lead to lower premiums. Pay your bills on time and keep your credit utilization low.

Avoid accidents and tickets to get better rates. Safe driving can lead to significant discounts over time.

Safer, affordable cars typically have lower insurance costs. Consider this when buying your next car.

Drop coverage you don’t need, but ensure you meet state requirements. For example, if your car is old, you might not need comprehensive coverage.

Install anti-theft devices and safety features to lower your premium. Features like airbags, anti-lock brakes, and alarms can help.

Combine home and auto insurance for a discount. If you rent, consider bundling your renter's insurance with your car insurance.

Paying your premium yearly can save on monthly fees. If you can afford it, this can be a great way to save money.

Reassess your policy yearly to adjust coverage and potentially lower costs. Life changes like moving or getting married can affect your rates.