This business is all about managing risks efficiently. That’s the only way providers can survive, turn a profit and still fulfill their legal obligations to their customers. Therefore, if you want to get really cheap auto insurance then you have to ensure that you are considered a better risk. The lower the risk an insurer associates with giving you coverage, the lower the premiums you’d have to pay. Here’s one thing that can reduce your risk profile…

Reduce your mileage and you will get cheaper rates all other things being equal. Your annual mileage is a very serious factor that is considered when computing your rate. So take active steps to reduce it…

i. Join a carpool.

ii. Drive less often. Whenever you have the opportunity to use the public transport system, use it. Apart from helping you get cheaper rates, it will also help you save on gas.

iii. Walk if the distance is NOT too far. This is also a good idea for your health. Don’t make it a habit to drive even if it’s a few blocks away. Walk! It helps.