Claim Happy
You probably don't want to hear this but the truth is, if you don't want to pay more for insurance, don't be claim happy. If the price to repair is close to your deductible, don't file a claim. Having no accidents/claims for 3 years gets you a better rate - insurance companies like low risk drivers. [sorry]
Property Damage
If you are rearended, the other driver is at fault, file what is called a "Property Damage" claim directly with the other driver's insurance company to repair your car. This way you don't have to lay out a out of pocket deductible.
On-line Defensive Driving Courses
Taking the Defensive Driving course saves 10% on insurance for 3 years. On-line 6 hour courses are usually more affordable and you can take up to 30 days to finish. Here's a link to NY approved Defensive Driving Course providers.
Multi-Line
If you bundle all your insurance with the same company you get Multi-Line discounts saving you up to 25% [nice].
Every Bunny needs Insurance...Happy Easterđź’•
[hugs]
Teresa
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