12 Ways to Lower Your Auto-Insurance Premiums

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Your car insurance bill is probably one of your largest regular expenses—especially if you have teenage drivers.

To trim your premium, ask your insurer for a list of discounts, and let it know if you qualify. For instance, some insurers offer discounts of 10% to 15% for those who make a living at certain professions, such as educators, lawyers, accountants, physicians and law-enforcement personnel. You could get a 10% discount for belonging to an alumni association or another organization, or you might receive a discount for carpooling or for having a hybrid car.

Here are 12 popular ways to help you cut your premiums by hundreds of dollars every year.

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Kimberly Lankford
Contributing Editor, Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.