Of the fifty united states, five are seen to have the highest auto insurance rates and they are: New York, Louisiana, Rhode Island, Maryland and D.C. The five states with the lowest auto insurance rates are: Maine, Iowa, Vermont, Idaho and Wisconsin.
What can you do if you live in one of these states? You could move or course but if you cannot, then you will need to make sures that you are taking advantage of all the discounts that you can possible get. You can always obtain a discount if you take a course in driver education or defensive driving if you are a young driver. Did your car come equipped with airbags or other passive restraints? Those features will also generate a discount on your rate. Your age and the amount of miles you drive in a year can make a difference and so having two or more cars on your policy.
If you have a good driving record and good claims you could get a discount when renewing your policy. If your car has the added feature of the daytime running lights, that can be a discount and so can anti-lock breaks. If you have a young driver who is a student getting good grades and this person is on your policy, that too can qualify you for a discount.
