Keep premiums low

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There are lots of things that keep insurance companies from lowering their premiums. One is the fact that there continues to be accidents, duis and things that can cause lots of problems One company like nationwide could receive an increase while progressivestays stagnant. It just depends on the market, number of claims and even inflation. Insureds need to be prepared in order to stay safe. Some things that you can do are take defensive driving courses to keep costs down as well as prevent from allowing your price to go up in case of accidents and tickets by getting the accident forgiveness waiver. This is very important and is vital in order to stay on top of whats going on in the insurance industry. This includes keeping underinsured motorist coverage low as well as when necessary adding unisured motorist property damage coverage to your policy if you carry a car that's worth less than $3500 and you don't have it financed with the bank. If you car for some reason is financedand it's worth this much, it may be a good idea to get full coverage since you need to at least have comprehensive deductibles on there to prove to the bank that you're fully covered. Another thing you can do to lowered insurance premiums are go with other insureds on the same policy. This is risky because banks will be vigilent about making sure that title is help on the owner of the policy. If you have too many insureds and none of them have the primary account holder that can cause problems when claims start happening and the owner of the policy isn't title owner on all these cars that they have on the policy. Be sure to be thorough and accurate in the information provided because it can bite insureds and insurance agents in the but if you don't have this information accurate and up to date.