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This means an $118 to $269 monthly payment in many cases.
Ifyour billcomes out to more than the average in your area, youre not alone.
Many people overpay for car insurance and dont even realize it.
Review your records for the past few years to see how much youre paying for car insurance.
If your records dont go back that far, check what you have.
If your rates have been going up, its probably a sign that its time for a change.
Many major car insurance companies, like Allstate and Progressive, offer low-mileage car insurance.
Getting a low-mileage plan could save you money compared to a standard car insurance policy.
Whats considered low mileage varies by company.
In comparison, the typical insured driver in the U.S. drives closer to 12,000 miles annually.
Options to save here vary.
For example, you could find astandard insurance planwith a low-mileage discount.
You might even qualify for this with your current provider, though youll have to ask them about it.
Alternatively, you could potentially get usage-based insurance, or telematics.
If youre a safe driver who doesnt drive much, this could meansignificant annual savings.
If thats the case, its a clear sign that its time to make a change.
Comparingdifferent companies and policy optionsmight be your best bet for getting a more reasonable premium.
The first step is to shop around.
you might shop around manually, or you might use acar insurance comparison websiteto do this.
Alternatively, change your coverage level.
There are a few ways to do this.
Another option is to increase your deductible.
Raising your deductible can reduce premiums just ensure you might cover the new deductible if needed, said Afilalo.
Last but not least, look into discounts.
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