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NINE WAYS TO LOWER YOUR AUTO INSURANCE COSTS

        

     You may not realize it, but the insurance rates you pay
for your car can vary dramatically depending on the insurance
company, agent or broker you choose, the coverages you request
and the kind of car you drive. Listed below are a number of
things you can do right now to lower your insurance costs.


1.   COMPARISON SHOP.


     Prices for the same coverage can vary by hundreds of
dollars, so it pays to shop around. Ask your friends, check the
yellow pages or call your state insurance department (phone
numbers are on back page). You can also check consumer guides,
insurance agents or companies. This will give you an idea of
price ranges and tell you which companies or agents have the
lowest prices. But don't shop price alone.


     The insurer you select should offer both fair prices and
excellent service. Quality personal service may cost a bit
more, but provides added conveniences, so talk to a number of
insurers to get a feeling for the quality of their service. Ask
them what they would do to lower your costs. Check the
financial ratings of the companies too. Then, when you've
narrowed the field to three insurers, get price quotes.



2.   ASK FOR HIGHER DEDUCTIBLES.


     Deductibles represent the amount of money you pay before
you make a claim. By requesting higher deductibles on collision
and comprehensive (fire and theft) coverage, you can lower your
costs substantially. For example, increasing your deductible
from $200 to $500 could reduce your collision cost by 15% to
30%.

3.   DROP COLLISION AND/OR COMPREHENSIVE COVERAGES ON OLDER
CARS.


     It may not be cost-effective to have collision or
comprehensive coverages on cars worth less than $1000 because
any claim you make would not substantially exceed annual cost
and deductible amounts. Auto dealers and banks can tell you the
worth of cars.


4.   ELIMINATE DUPLICATE MEDICAL COVERAGES.


     If you have adequate health insurance, you may be paying
for duplicate medical coverage in your auto policy. In some
states, eliminating this coverage could lower your personal
injury protection (PIP) cost by up to 40%.


5.   BUY A "LOW PROFILE" CAR.


     Before you buy a new or used car, check into insurance
costs. Cars that are expensive to repair, or that are favorite
targets for thieves, have much higher insurance costs. Write to
the Insurance Institute for Highway Safety, 1005 North Glebe
Road, Arlington, VA 22201 and ask for the Highway Loss Data
Chart.


6.   CONSIDER AREA INSURANCE COST IF YOU ARE MAKING A MOVE.


     Costs tend to be lowest in rural communities and highest
in center cities where there is more traffic congestion.



7.   TAKE ADVANTAGE Of LOW MILEAGE DISCOUNTS.


     Some companies offer discounts to motorists who drive
fewer than a predetermined number of miles a year.


8.   FIND OUT ABOUT AUTOMATIC SEAT BELT OR AIR BAG DISCOUNTS.


     You may be able to take advantage of discounts on some
coverages if you have automatic seat belts and/or air bags.


9.   INQUIRE ABOUT OTHER DISCOUNTS.


     Some insurers offer discounts for more than one car, no
accidents in three years, drivers over 50 years of age, driver
training courses, anti-theft devices, anti-lock brakes and good
grades for students. See the following page for a guide to
these and other discounts.


INQUIRE ABOUT DISCOUNTS FOR:


                        COMPANY A    COMPANY B    COMPANY C

$500 deductible          _______      _______      _______

$1,000 deductible        _______      _______      _______

More than 1 car          _______      _______      _______

No Accidents
  in 3 Years             _______      _______      _______

No Moving Violations
  in 3 Years             _______      _______      _______

Drivers Over 50 Years
  of Age                 _______      _______      _______

Driver Training Course   _______      _______      _______

Anti-Theft Device        _______      _______      _______

Low Annual Mileage       _______      _______      _______

Automatic Seat Belt      _______      _______      _______

Air Bag                  _______      _______      _______

Anti-Lock Brakes         _______      _______      _______

Good Grades for
  Students               _______      _______      _______

Auto and Homeowners
  Coverage with the
  Same Company           _______      _______      _______

College Students
  Away From Home
  Without a Car          _______      _______      _______


OTHER DISCOUNTS:


_______________          _______      _______      _______
_______________          _______      _______      _______
_______________          _______      _______      _______
_______________          _______      _______      _______


YOU CAN REACH YOUR STATE INSURANCE DEPARTMENT AT:


AL:  205-269-3550
AK:  907-465-2515
AS:  684-633-4116
AZ:  602-255-5400
AR:  501-686-2900
CA:  800-927-4357
CO:  303-894-7499
CT:  203-297-3800
DE:  800-282-8611
DC:  202-727-8002
FL:  800-342-2762
GA:  404-656-2056
GU:  671-477-5144
HI:  800-468-4644
ID:  208-334-2250
IL:  217-782-4515
IN:  800-622-4461
IA:  515-281-5705
KS:  800-432-2484
KY:  502-564-3630
LA:  504-342-5900
ME:  207-582-8707
MD:  800-492-6116
MA:  617-727-3357
MI:  517-373-9273
MN:  800-652-9747
MS:  601-359-3569
MO:  314-751-2640
MT:  800-332-6148
NE:  402-471-2201
NV:  800-992-0900
NH:  800-852-3416
NJ:  609-292-5363
NM:  505-827-4500
NY:  212-602-0203
NC:  800-662-7777
ND:  800-247-0560
OH:  800-686-1526
OK:  405-521-2828
OR:  503-378-4271
PA:  717-787-5173
PR:  809-722-8686
RI:  401-277-2223
SC:  803-737-6117
SD:  605-773-3563
TN:  800-342-4029
TX:  512-463-6464
UT:  801-530-6400
VT:  802-828-3301
VI:  809-774-2991
VA:  800-552-7945
WA:  800-562-6900
WV:  800-642-9004
WI:  800-236-8517
WY:  307-777-7401


FOR MORE INFORMATION, CALL THE NATIONAL INSURANCE
CONSUMER HELPLINE (NICH) AT 1-800-942-4242


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