Managing auto insurance costs

Maintaining a good driving record can help keep your insurance premiums down. Other ways to reduce your auto insurance rates include increasing your deductible and choosing a vehicle that costs less to insure. Insurance premiums on certain vehicles are higher because some cars are more expensive to repair or more likely to be stolen.

If you've been licensed and accident free for six years, you may want to ask your Co-operators agent about accident forgiveness. With this special endorsement, your first at-fault accident will not affect your auto insurance premiums, as long as you've been licensed and accident free for six years.