• Improve your credit score…huge factor can make a bad driving record irrelevant
• get a college degree…it helps but not everyone
• own a home/condo..helps a lot and gets a multi-policy savings
• take a defensive driving course..boring but profitable
• make a point to review ANNUALLY
• Know the value of your car…Do you still need physical damage coverage?
• Be loyal to a good agent not a company….nuff said
• take higher coverage…you’ll look better when shopping

Insurance has been commoditized set your coverage plan than your rate!!!