Here what you shouldn’t do to reduce your car insurance policy:
1- Don’t drive while you drinking alcohol. The reason is that the driver is constantly switching from looking downwards and then upwards, and focusing on the phone's buttons. In mere milliseconds, the driver could miss a swerving oncoming vehicle, or one beside him switching lanes. Try to follow the driving law and don’t use your mobile phone while driving and use your belt.
2- Don’t use your mobile phone while drinking, For safety purposes, the driver should delay using the phone until getting to their destination. Absolutely no phone call is that important. Following the traffic law will help you to reduce your car insurance policy a lot.
3- Do not drink (alcohol) before driving. Youngsters must fully comprehend the value of never driving after drinking alcohol. Alcohol is known to give that false sense of security. Totally resisting the desire to consume any amount of alcohol will not only keep their auto
coverage lower, it can also save their lives!
4- Don’t have a large number of speeding tickets to your credit. Don’t violate traffic rules. Take driving classes if possible. The fact that you have undergone training in driving can be an added advantage when you approach a vehicle insurer for better rates.
5- Avoid filling out too many claims. If you file claims, limit them if you can help it. No claims are better still. When you fill out too many claims for every 'ding' you get in your car, you will be 'tagged' - rating high - to the insurance companies.
Taking these points in mind will help you a lot to get the low car insurance policy you wish.