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NEW! - Keywords For This Page:   Safety / Security - Automobiles - Insurance

Automobile Insurance Tips

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
  • Enter Text Here
  • 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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