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	Automobile Insurance Tips
	By Relocation Property Services

Feel free to use this tip sheet / checklist as you tackle your own ""do-it-yourself"" organizing projects. If you would like to REPRINT or DISTRIBUTE this information, please click here for reprinting instructions.

• liability -- pays for injury and property damage caused by you
• medical payments -- pays for expenses resulting from an accident
• no fault -- pays for medical expenses regardless of who is at fault
• deductible -- amount you pay before insurance company pays
• collision -- pays for repair or replacement of vehicle
• comprehensive -- pays for vehicle (not during collision)
• rental reimbursement -- pays for rental during repairs or collision
• roadside assistance -- pays for towing and minor breakdowns

• maintain a clean driving record
• buy a car with lower rates
• don't file small claims
• increase your deductibles
• eliminate duplicate coverage
• maintain good credit
• assign high-risk drivers to low-risk vehicles
• pay annually or semi-annually (monthly is more expensive)
• waive collision insurance on an older vehicle
• shop for the best rage

• seasonal usage of vehicle
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• low mileage
• small car discount for economy cars
• carpooling
• more than one car insured
• more than one insurance policy with same company
• driver has completed substance abuse awareness training
• driver has completed defensive driving course
• anti-lock brakes or other safety equipment
• automatic daytime headlights
• air bags
• alarm or other anti-theft device
• accident free for 3 or 5 years
• discount for married drivers
• resident student / good student (B average) discount
• renewal of prior coverage
• car parked in a garage at night
• seat belts used
• non-drinker / non-smoker

 

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