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How you can reduce your insurance premium- Most companies give a substantial discount to drivers who do less than 7,500 miles a year. If you use public transport instead of driving to work your premium is likely to go down. If that's inconvenient, how about carpooling?

How you can reduce your insurance premium- Review the status of all the drivers in your family together with your insurance agent. Most discounts apply only to a small portion of the policy, so you would be wise not to expect dramatic savings.