汽车保险成本不断上升,迫使司机寻求折扣,但许多司机的保险范围仍在下降。 Rising car insurance costs force drivers to seek discounts, but many are still dropping coverage.

汽车保险率正在上升,迫使司机寻找折扣,以降低支付率。 Car insurance rates are rising, pushing drivers to look for discounts to lower their payments. 通常的折扣包括:安全驾驶、与其他保险单捆绑在一起、为多部车辆提供保险、良好的学生费率、忠诚津贴、全额支付保险费或设立自动支付机制。 Common discounts include safe driving, bundling with other insurance policies, insuring multiple vehicles, good student rates, loyalty bonuses, and paying premiums in full or setting up auto-pay. 为了获得安全驾驶折扣的资格,司机必须在三至五年内保持干净记录。 To qualify for safe driving discounts, drivers must maintain a clean record over three to five years. 低里程或以使用为基础的折扣也提供给驾驶次数较少的人。 Low-mileage or usage-based discounts are also available for those who drive less frequently. 采取防御性驾驶路线也能够降低驾驶率。 Taking a defensive driving course can also reduce rates. 然而,一项研究表明,费用上涨正在导致许多美国人降低或降低其汽车保险等级,对道路安全造成风险。 However, a study shows that rising costs are causing many Americans to downgrade or drop their car insurance, posing risks to road safety.