Limit Coverage
Only cover what you need. An insurance agent may try to get you to buy full comprehensive coverage for every driver. But, what if you only drive five miles per week to go to the grocery store?
In these cases, a higher deductible might greatly reduce your rates. Or, limiting the total coverage on PIP or property damage, can bring rates down as well. Make sure you know what you are paying for, and only pay for the coverage you truly need.
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