5 Things You Can Do to Lower Your Auto Insurance Rates


Avoid Duplicating Coverage

Don't you hate paying for the same thing twice? If Personal Injury Protection, also known as PIP, is part of your auto insurance policy, you might be paying twice for the same coverage. PIP coverage pays medical expenses for the insured driver after an auto accident. Some states, mostly those with "no-fault" insurance, require drivers to purchase PIP as part of their coverage [source Cheap Oklahoma Auto Insurance].

Some PIP plans not only cover your medical and hospital expenses, but they can also help you pay bills, such as child-care expenses, while you're laid up. However, if you live in a state that does not require PIP insurance, and if you have good health, life and disability insurance coverage, then you probably don't need supplemental PIP coverage with your auto policy.