 TITLE: Step-By-Step Checklist for Getting Car Insurance CONTENT: Look for Ways to Reduce Your Car Insurance Costs\n------------------------------------------------\n*   Maintain a clean driving record. Traffic tickets or accidents can mean higher insurance premiums.\n*   Raising your deductible can lower your coverage, but make sure you have enough savings to afford the higher deductible.\n*   If your car is older, consider reducing or eliminating collision and comprehensive coverage. If the car isn't worth much, you may not need the insurer's payout to repair or replace it.\n*   Bundle your car insurance by getting a homeowners or renters policy from the same carrier.\n*   See if your employer or organizations you belong to offer car insurance discounts.\n*   If you drive 12,000 or fewer miles a year, investigate usage-based or pay-per-mile insurance.\n*   Maintain a good credit score.\n    *   Insurance companies may charge you more if you have poor credit.\n    *   Check your credit score before you apply for insurance and take steps to improve it if necessary. END