Do You Know The Factors That Impact Auto Insurance Rates?

auto insurance rates

auto insurance ratesBefore you purchase a car, it’s a good idea to understand all the costs associated with the purchase of the vehicle — including the cost of auto insurance. Learning about how auto insurance rates are determined will help you to navigate why rates vary and assist you with your auto buying decision. Factors that impact auto rates include the following.

Age of Insured Driver(s)

Young drivers under the age of 25 are statistically up to four times more likely to be in an accident, so rates are typically higher than their older counterparts. Additionally, males under the age of 25 will be more expensive to insure than females of that age.

Driver Record

Studies indicate that drivers with past claims are more likely to have future claims. Drivers with moving violations, accidents and/or claims in the past three years will usually pay a higher price for their automobile insurance than those ensuring the same vehicle but are “loss-free.”

The Type of Vehicle You Drive

Both size and performance impact premium costs:

  • Size: Larger cars tend to be less expensive to insure than smaller cars because they typically suffer less damage in an accident.
  • Performance: High-performance vehicles, such as sports cars, tend to be more expensive to insure since they are statistically driven more aggressively. As a result, they tend to be involved in accidents more frequently.

Value and Age of Car

As a simple rule of thumb, the more expensive the car, the more it will cost to insure. The newer the vehicle, the more it costs to insure.

Car Features

You can earn premium discounts based on the vehicles safety features, such as anti-lock brakes, air bags, anti-theft devices and having more than one car on the policy.

Vehicle Usage and Location

Typically, the higher the mileage, the higher the premium. Additionally, the more densely populated an area is, the higher the auto premium.

Deductible Choice

The higher your deductible, the lower your premium.

Top Ways to Save on Your Auto Insurance Rates

• Consider raising your deductible.
• Keep up your good driving record.
• Drive a car with safety features such as anti-lock brakes and airbags.
• Install an anti-theft device

We’re Here to Help

Click here to learn more about auto insurance or give is a call today at 419-522-8982.

What Is Cold Stress And Are You At Risk?

Cold Stress

Cold StressWorkers who are required to work outdoors in cold environments for an extended period of time may be at risk for cold stress. Weather extremes, such as high winds, cold temperatures, ice, snow, sleet and freezing rain, present potential hazards to workers. Specifically, cold stress can contribute to hypothermia, frostbite, and trench foot. 

The Risks of Cold Stress

  • Hypothermia occurs when your body heat is lost faster than it can be replaced and your normal body temperature drops to less than 95 degrees Fahrenheit. Symptoms include shivering, fatigue, dilated pupils, blue skin, and a slowed pulse and breathing. If you suspect someone has hypothermia:
    • Call for emergency assistance as soon as possible.
    • Move the person to a warm, dry area. Do not leave them alone.
    • Remove any wet clothing and replace it with warm, dry clothing or wrap the person in blankets.
    • Have the person drink warm, sweet drinks (sugar water or a sports drink) if they are alert.
    • Have the person move his or her arms and legs to create muscle heat.
  • Frostbite is an injury to the body that is caused by freezing of the skin and underlying tissues. Symptoms include reduced blood flow to the hands and feet, numbness, aching and waxy or blistered skin. If you suspect someone has frostbite: 
    • Move the person to a warm, dry area. Do not leave him or her alone.
    • Remove any wet or tight clothing that may cut off blood flow to the affected area.
    • DO NOT rub the affected skin, as this can cause damage to the skin and tissue.
    • Gently place the affected area in warm water (105° F) to slowly warm the tissue. Do not pour warm water directly on the skin because it may warm the tissue too fast and cause damage. Warming the skin generally takes about 25 to 40 minutes.
    • After the affected area has been warmed, it may become puffy and blister, accompanied by a burning sensation or numbness. When normal movement, feeling and skin color have returned, dry the affected area and keep it warm.
    • If the affected area could get cold again, do not warm the skin. Should the skin be warmed and then become cold a second time, there could be severe tissue damage.
  • Trench foot is caused by prolonged exposure to wet and cold temperatures. Symptoms include numbness, leg cramps, swelling, blisters and ulcers.

What Can Workers Do?

To protect yourself whenever you’re working outdoors in extreme cold, consider doing the following:

  • Wear several layers of loose clothing to provide insulation.
  • Make sure to protect your ears, face, hands and feet.
  • Move into warm locations during work breaks.
  • Limit the amount of time you spend outside.
  • Include a thermometer and chemical hot packs in your first-aid kit.
  • Avoid touching cold metal surfaces with your bare skin.

If you have any additional questions or concerns regarding cold stress safety at work, consult your supervisor.

A New Year’s Resolution For A New You

New Year's Resolution

New Year's Resolution

Many people choose the new year to make changes in their financial and personal lifestyle. Whether you want to save more money, get out of debt, loose weight or start a healthier lifestyle; the start of a new year with a new year’s resolution is the way to go for many. We have some tips that will help you begin this new year off strong. 

A new year’s resolution for financial stability

Financial stability starts with reviewing your current financial resources. This is important because your current finances affect your ability to reach your goals and protect those goals from potential financial crisis. These are the resources you will draw on to meet various life events. To start, calculate your net worth – this isn’t as difficult as it might sound. Your net worth is simply the total value of what you own; your assets, minus what you owe; your liabilities. This gives you a snapshot of your financial health. 

First, add up the value of all your assets. This includes personal possessions, vehicles, homes, checking and savings accounts, and the cash value (not the death benefit) of any life policies you have. Include the current value of investments, such as stocks, real estate, certificates of deposit, retirement accounts, IRAs and the current value of any pensions you have. 

Now add up your liabilities: the remaining mortgage on your home, credit card debt, student and personal loans, taxes due on the profits of your investments if you cashed them in, and any other outstanding bills. Subtract your liabilities from you assets. Do you have more assets that liabilities? Or more liabilities than assets? According to Forbes Magazine “If you have $10 and no debt, you are richer than 15% of American Households put together.”

Your goal is to create a positive net worth, and to have it grow each year. Review this number yearly to monitor your progress. Make a monthly budget to help keep yourself accountable for your spending.  Websites like Mint.com help you keep track of your income, expenses and net worth on a daily basis. 

A new year’s resolution for a healthier you

There are numerous ways to create a healthier you. Healthy portion sizes and making time for fitness are two common ways to accomplish that goal. 

Healthy Portion Sizes

  • A serving of meat is about two or three ounces – about the size of a deck of cards, or the palm of your hand. 
  • One serving of grains is equal to one slice of bread, one ounce of cereal, or 1/2 cup of pasta or rice. 
  • A serving of fruit or vegetables is equal to one piece of fresh fruit or vegetable, 1/2 cup chopped, or 3/4 cup of fruit or vegetable juice. In general, it’s not as necessary to be vigilant about vegetable and fruit intake, as any amount is healthy – just make sure you’re getting enough while being aware of the sugar content in fruit. 
  • The key to any meal is to have 75% of your plate covered with vegetables and 25% covered with meat or pasta. 

Make Time For Fitness

  • Park your car far away, and walk farther to your destination.
  • Participate in a charity run, walk or bike event. 
  • Take the stairs instead of the elevator or escalator. 
  • Squeeze a stress ball while at work to relieve tension. burn calories, increase flexibility, and improve blood flow. 
  • Exercise during your lunch hour, even if it’s just a walk around the block or up and down a flight of stairs. 

Getting even 20 to 30 minutes of exercise per day will improve your health. It will also make you feel better overall and can be fun. 

Set yourself up for a successful new year

In conclusion, the point of a new year’s resolution is to make changes in your life. Make sure to set reasonable goals and don’t set unrealistic expectations. You don’t want to start off the new year with a goal that is impossible to reach. There are numerous resources available online and as an app that can help you along the way. Budget websites and apps, workout videos and apps, even calorie counters are easily accessible and will help you along the way. 

Most of all, stick with your goals and you are on the right track to a new you! 

Important Information About Your Health Plan and COVID-19 Vaccine

COVID-19 vaccine

COVID-19 vaccineOn Dec. 12, 2020, the Advisory Committee on Immunization Practices (ACIP) of the Centers for Disease Control and Prevention (CDC) recommended use of Pfizer Inc.’s COVID-19 vaccine for individuals 16 years of age and older. The Food and Drug Administration (FDA) approved the vaccine one day earlier.

The ACIP recommendation triggers the requirement for non-grandfathered group health plans and health insurance issuers to cover the vaccine without cost sharing. Grandfathered plans may choose to cover the vaccine, and could be required to do so under state law or applicable insurance policies.

Coverage of COVID-19 Preventive Care Services

Non-grandfathered group health plans, and health insurance issuers offering group or individual health insurance coverage, must cover coronavirus preventive services, including recommended COVID–19 immunizations, without cost sharing. During the COVID-19 public health emergency, covered services may be provided by in-network or out-of-network providers.

Coverage of these immunizations must be provided, even if not listed for routine use on the CDC’s Immunization Schedules. Plans and issuers subject to Section 2713 of the Public Health Service Act must also cover, without cost sharing, items and services that are integral to the furnishing of recommended preventive services, including immunization administration.

Coverage Effective Date

Under the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), plans and issuers must cover the vaccine within 15 business days. It is widely understood that coverage of the COVID-19 vaccine must begin no later than Jan. 1, 2021. Plans and carriers may choose to cover the vaccine before this date. As additional forms of the vaccine are approved by the FDA and recommended by ACIP, they will be required to be covered as well.

Highlights:

·         Non-grandfathered group health plans and insurance issuers must cover coronavirus preventive services without cost sharing.

·         Preventive care services include recommended immunizations.

·         During the COVID-19 public health emergency, this coverage must be provided for both in-network and out-of-network providers.

Safety Tips For All Your Holiday Decorating Needs

holiday decorating

holiday decoratingIt’s cooling down and holiday spirit is in the air. For many, it’s time to start holiday decorating! While holiday decorating adds beauty to your home, it can also bring added risk. Trees, garlands, and lights can add extra fire hazards if not used properly. The last thing you want for Christmas is a homeowners insurance claim to deal with. But don’t worry, we have a few tips to keep your home and your family safe this holiday. 

Christmas Tree Safety

  • Keep a fresh-cut tree outdoors and cover the trunk in snow, or immerse it in a bucket of water until you are ready to decorate it.
  • When you are ready to put up a live tree, cut a 1- or 2-inch diagonal off the bottom of the trunk. The new cut will help the tree to absorb water, which preserves its freshness.
  • Select a spot for the tree that is at least three feet away from a heat source.
  • Put the tree in a sturdy, water-holding stand with widespread legs, and keep the stand filled with water.
  • Once a tree becomes dried out, do not keep it in your home or garage, as it is highly flammable.

Holiday Lighting Safety

  • Mixing and matching lights can create a fire hazard, so keep outside lights outdoors and inside lights indoors.
  • Always buy lights and electrical decorations bearing the name of an independent testing lab, such as UL, and follow the manufacturer’s instructions for installation and maintenance.
  • Carefully inspect new and previously used light strings before using them. Throw away any that appear damaged.
  • When hanging your lights, string lights together using built-in connectors. Do not join more than 200 midget lights or 50 larger lamps through one string or cord.
  • Do not connect more than three sets of lights to one extension cord.
  • Remember to unplug all decorations and lights, both inside and outside your home, before leaving or going to bed.
  • If you blow a fuse, unplug the lights from the outlet and immediately replace the blown fuse. If the replacement fuse blows again, a short circuit may be present. Throw the faulty light string or decoration away, or if it is new, return it for a refund.
  • When hanging lights outside use a ladder made of non conductive materials to reduce the risk of electrocution. 

Candle Safety

  • Place candles in stable holders and in a spot where they cannot be easily disturbed.
  • Never use lit candles to decorate your Christmas tree.
  • Never leave a burning candle unattended, and always extinguish candles before leaving the room or going to bed.
  • Avoid placing candles near flammable objects.
  • Keep burning candles out of the reach of children.

Taking extra precautions while decorating can be the difference between a relaxing holiday season or a tragic holiday season. 

If you found this information helpful, please share with others. 

Electrical Safety Tips You Need To Know

Electrical Safety

Electrical SafetyElectricity has become such a big part of our every day lives, we don’t put much though into it. How it works, what it does, or the dangers that surround it. Electrical Safety is usually only on the minds of electricians, contractors or those who are dealing with a problem with electrical work. However, it is really something everyone should spend some time thinking about. We have compiled a list of a few tips you should keep in mind when dealing with electricity. 

Electrical Shock

Did you know an electric shock can result in anything from a slight tingling sensation to immediate cardiac arrest? The amount of current, the current’s path through the body and the length of time the body remains in the circuit are all factors that determine the severity of the shock. The current found in the average household could be enough to cause fatal harm. That alone is the #1 reason electrical safety should be top of mind.

What Can I Do To Ensure My Home Is Safe?

Looking around your house I bet every room has some sort of electrical appliance plugged in? Television, lamp, microwave, cell phone, computer, the list goes on and on. Every one of those items are a reason to practice electrical safety in your home. To reduce the potential for danger, walk through your home and identify all the items that use electricity. After you’ve done that, download the below checklist and use the recommendations as precautions to reduce the risk of shock and burn injuries. 

Electrical Safety Checklist for Your Home

Your Home Is Where You Go To Relax

Take the time to complete the Electrical Safety Checklist for Your Home and make sure your home is safe for you and your loved ones. A little prevention now is much better than a devastating accident later. Injury to a loved one or a house fire are both realistic possibilities when dealing with electricity. Always leave electrical repairs to the professions, keep small children away from electrical threats, and make sure to follow instructions and not overload outlets or power strips. 

We’re always here to help. If you would like to review your homeowners insurance policy as well give your agent a call. 

Do You Understand The Benefits Offered By Your Job?

Benefits Offered By Your Job

Benefits Offered By Your JobMany employers recognize the hard work their employees do every day. In addition to a pay check, many employers will offer additional benefits to compensate their employees. Whether you are a new employee of the company, or an existing employee that has never enrolled in the benefits, understanding everything an employer has to offer can be difficult. We break this all down and help you understand the benefits offered by your job.

Common Benefits Offered By Employers

When it comes to benefits offered by employers, there is no set guideline to use. As a result, employers build their own benefits packages and can pick and choose what they want to offer. Some of the most common options include:

  • Medical Insurance
  • Dental Insurance
  • Vision Insurance
  • Disability Insurance
  • Life Insurance
  • Flexible Spending Account (FSA)
  • Health Savings Account (HSA)

Click here to learn more about employee benefits.

Employer-paid vs Voluntary benefits

Depending on the size of the company you work for, there may be several packages available. Some may be employer-paid, some may be voluntary and some may be in the middle where you and the employer split the cost. There could be several options for benefits offered by your job.

  • Employer-paid benefits are those that the employer pays 100% of the cost. This typically includes life insurance and disability insurance.
  • Voluntary benefits are those you the employee can choose to elect or not. You will pay 100% of the premium. This typically includes dental and vision insurance
  • Contributory benefits are those that you and the employer both pay for. The employer picks how much they will pay and then you pay the remainder. One example would be medical insurance. The employer may pay 80% of the premium, you pay the remaining 20%

What Coverages Are Included In The Benefits Offered By Employers?

This will vary for each company. They will be able to provide you with a summary of benefits that will show you basic plan information. Deductibles, copay’s, coinsurance and maximum out of pocket is standard on each summary. Employers have HR departments or an insurance agent they work with. They will be able to explain everything to you and help you enroll.

Understanding benefits offered by employers can be overwhelming. Take time to review the information provided to you and don’t be afraid to ask questions. Every individual’s situation is different however employers have specific plans in place to help you.

Have questions? Contact us today, we can help.

Should I Bundle My Insurance Policies Or Not?

bundle

bundleIf you’ve ever shopped around for insurance, you’ve likely been asked if you want to bundle your policies. In other words, combine your home or renters, auto and life insurance policies with the same carrier. Although you have the option to shop around individually for each policy, it almost always makes sense to have the same carrier cover as many of your policies as possible.

Click here to learn more about personal insurance options

Benefits of Bundling

  • The discount—Most policyholders bundle their policies because of the promise of a discount. The amount varies by provider but can generally range between 5-25 percent.
  • The option of a single deductible—With bundled policies, your deductible may be cheaper in the event of a claim that affects multiple policies. For example, if your home and auto policies are with two separate carriers, and a hailstorm damages your home and your car, you’re responsible for paying both your home and auto deductibles before receiving payment. But if you bundle your policies, your provider may offer you the option to pay only the higher of the two deductibles.
  • Less chance of being dropped—If you’ve made claims or gotten tickets, having your policies bundled with one provider can decrease the chance of them dropping you.

When It Doesn’t Pay to Bundle

It isn’t always better to bundle your policies with one insurance carrier. Here’s when it may be better to split them up:

  • If you have tickets or past claims that make your auto insurance expensive – In this case, it may be cheaper overall to buy each policy from separate providers.
  • When premiums increase—Bundling discourages people from price shopping, which makes it easier for providers to increase their rates. Most assume that you won’t go through the effort of shopping around when your policies renew.
  • If policies aren’t technically bundled—Some carriers may insure you with an affiliated company. Although you may get a discount with that company, you’ll lose the convenience of paying your premium with one familiar provider.

A Few Tips to Consider

Although discounts are the main reason people bundle their insurance policies, never assume that bundling is the cheapest option. Your needs and circumstances will dictate whether you should combine your policies with one carrier. Consider the following tips:

  • Shop for new coverage when your policies renew. Ask for the price of the individual premiums as well as the price of the bundled premium. Then you can decide whether it is worth it. Just make sure you compare the same coverage when shopping for quotes from each carrier.
  • Ask if the provider uses a third-party insurance company. Remember that you may save money but lose the convenience of dealing with one provider and a combined bill.
  • Ask an independent insurance agent to get prices from multiple companies so you don’t have to do the legwork. An agent that is loyal to a particular carrier may be able to offer discounts that you can’t get alone.

With multiple factors contributing to the price of your insurance premiums, it is important to shop around in order to get the best rate for your insurance needs. Feel free to contact us to determine if bundling is right for you and help you take advantage of all available discounts.

7 Ways Conservation Can Save Your Business Money

conservation

conservationEmbracing conservation can be advantageous for your business. Not only does it benefit the environment, it also can save your company money, increase employee productivity, enhance a company’s reputation and make it more attractive to environmentally conscious employees and applicants.

Reduce Energy Usage

Here are some tips to make your organization more environmentally friendly:

  • Employees should turn off lights if they plan to leave a room for more than 15 minutes.
  • Purchase Energy Star-rated light fixtures and bulbs, which use two-thirds less energy than normal lighting. Visit www.energystar.gov for more information.
  • Install timers or motion sensors that shut off lights when no one is present.
  • Purchase LED desk lamps that use minimal energy.
  • Arrange your workspace so more employees have access to natural light. This is proven to increase productivity and job satisfaction as well as use less electricity.

Use Computers Efficiently

Computers waste an enormous amount of electricity each year, particularly in the business sector.

  • Employees should turn off their computers and power strips they are plugged into (if applicable) before leaving work each day.
  • Employees should set their computers to “go to sleep” when they are away for a short period of time since sleep mode uses 70 percent less energy than a normal screen. This is not the same as using screensavers and standby settings, which still draw power even when the machine is not in use.
  • Invest in energy-saving computers, monitors and printers when purchasing new materials for the company.
  • Recycle electronic equipment properly when the company has no more need for it. Visit www.epa.gov for more information on recycling electronic waste safely. Or, donate electronics that are less than five years old to a charity such as www.techsoup.org. Tax deductions generally apply to these donations.

Print with Care

On average, an office worker uses 10,000 sheets of printer and copy paper per year.

  • Instruct employees to print on both sides of the page or use the back of old faxes, scrap paper or drafts to make new copies.
  • Print in draft mode versus regular mode and avoid using colored ink whenever possible.
  • Purchase remanufactured toner and ink cartridges, and recycle the old ones.
  • Request 100 percent recycled paper when using a print company to make copies or print materials for your company.
  • Ask that employees reduce font sizes, use narrower fonts, decrease line spacing and decrease margins when feasible, to use less paper when printing.
  • Purchase chlorine-free paper made from a high percentage of recycled materials. Be wary that not all paper labeled “recycled” is truly made from recycled materials. In fact, some paper simply contains the trim waste from the production process which reduces costs for the manufacturer but does not necessary help the environment. Instead, purchase post-consumer recycled (PCR) or post-consumer waste (PCW) paper. This is still high quality and can be used in inkjet and laser printers. Also consider paper made from bamboo, hemp, organic cotton or kenaf as an alternative.

Reduce the Paper Trail

The following strategies can be used to help cut back on paper usage:

  • Request that employees stop receiving unnecessary industry newsletters, magazines and junk mailings. Instead, sign up for emails on industry-related topics and information, or check if various publications have an e-newsletter as an alternative to receiving a print version.
  • Post employee manuals and policies online versus printing out paper copies of these documents. This makes updating policies and procedures easier and more efficient too.
  • Store documents electronically instead of using a filing cabinet, write emails versus sending paper letters and review documents as a PDF versus printing.
  • Make use of a company intranet to cut down on printed materials. Post or distribute an e-newsletter (instead of mailing out a printed company newsletter), host an online bulletin board, and provide materials and communications online rather than in printed form.

Recycle

Considering the following recycling tactics to assist with conservation efforts:

  • Post employee manuals and policies online versus printing out paper
    Recycle paper from faxes, envelopes and junk mail company-wide.
  • Visit www.epa.gov to learn more about recycling employee electronics such as cellular phones and PDAs.
  • Make recycling bins easily accessible to employees by placing them in high traffic areas and post information (electronically) about what can and should be recycled on a daily basis.
  • Reuse shipping boxes and use shredded paper as packing material.
  • Purchase office furniture and supplies made from recycled materials. Visit www.conservatree.org or www.thegreenoffice.com for more information on how to purchase these products.

Look for office products that do not contain harmful materials. These items are certified by The Forestry Stewardship Council (FSC) and The Rainforest Alliance and are made from wood from sustainable harvested forests.

Eat with the Environment in Mind

Being mindful of the environment when purchasing and eating food can go a long way in helping reduce waste:

  • Ask that employees bring their own reusable dishes, utensils and glassware to work for eating meals, rather than items made of plastic or foam. Also suggest that employees bring food in a reusable lunch sack or container.
  • Purchase organic coffee or tea for employees, and organic and local foods for company parties and events.
  • Provide filtered drinking water devices to deter employees from drinking bottled water.
  • Suggest that when employees place food orders, they do so with others to eliminate added waste from individual orders.
  • Recommend that employees bike or walk when going out to eat for lunch.

Maintain a Healthy Environment

To promote a healthier workplace, consider the strategies outlined below:

  • Use nontoxic cleaning materials, biodegradable soaps, and recycled paper or cloth towels.
  • Buy cleaning materials in bulk and recycle their containers.
  • Suggest that employees bring a plant into work for their desks to absorb indoor pollution.
  • Purchase furniture, carpeting and paints that are free of volatile organic compounds (VOCs).

Do You Know The Difference Between Collision And Comprehensive Coverage?

Collision and Comprehensive Coverage

Collision and Comprehensive Coverage

Though state laws may not require you to purchase both collision and comprehensive coverage for your policy, doing so can protect your financial well-being. Read on to learn more about these types of coverage.

The Basics

Collision and comprehensive coverages provide financial safety nets in the event that your vehicle is physically damaged and needs to be repaired or replaced. Although these coverages are generally not required by state laws, they can reduce your financial hardship during a loss.
Also, if you are financing a loan for a car, your lender will most likely require both collision and comprehensive coverage as part of your car insurance policy.

Collision Coverage

Collision coverage pays for the cost to repair damages to a vehicle due to an accident, either with another vehicle or an object. Typically, you will collect only the actual cash value of your car versus the replacement cost value. Gap insurance protects you in the event you owe more than your vehicle is worth.

  • Collision coverage is generally the most expensive portion of a car insurance policy.
  • Premiums are based on a number of factors, including your deductible, driving record and the type of car you drive. If your driving record is fairly clean (no or very few tickets or accidents), your premiums will be lower because you are less likely to have a collision.

Comprehensive Coverage

Comprehensive coverage pays for damage to your vehicle that is caused by theft, vandalism, fire, natural disasters or hitting an animal.

  • Comprehensive coverage comes with a deductible and the insurer will only pay as much as the vehicle is worth at the time of the incident.
  • To calculate how much your car is worth, look up the Kelley Blue Book value or the National Automobile Dealers Association’s Official Used Car Guide value. If your car is low in value, the yearly premiums for comprehensive coverage may not be a sound investment.
  • Comprehensive coverage has many limitations, so it’s best to review your policy carefully to make sure you are properly covered.

We’re Here to Help

Call our office today at 419-522-9892 to learn more about collision and comprehensive coverage. Ask how we can protect you against losses.

4 Ways to Save on Your Auto Premiums:

1. Consider raising your deductible.
2. Maintain a clean driving record.
3. Establish a solid credit history.
4. Install an anti-theft device in your vehicle.