City drivers typically pay more for their car insurance than those that live in more rural areas. This is because traffic accidents, vehicle thefts, and damage are all more common in the city, therefore posing more of a risk to…
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1. Drive Less for and get a discount
Some carriers will discount your premium with a low-mileage discount if you drive less than 7,500 miles per year. Also ask your agent if you can receive a commuter discount for using public transportation.
Personal Injury Protection (PIP) covers, within your limits, the medical or funeral expenses of you, passengers, or pedestrians injured in your accident. This coverage is only available in certain states, so always check with a licensed auto insurance agent.