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If you drive fewer than 10,000 miles per year, you may be entitled to acquire a low-mileage discount on your automobile insurance. Some insurance providers may even give you discount if you commute when you have to go somewhere.

2. Avoid driving for business reasons

Many insurers will add a surcharge or increase your rate because of this. Be sure that you allow your insurance company aware that you will be operating the automobile for business reasons so you will be properly covered.

3. Increase your deductible

You can lower your yearly car insurance rate by as much as 15% if you increase your deductible up to $500. But dont forget to select the highest deductible that you can afford

4. Keep excellent credit rating

Your credit history is one of the factors that insurance companies view when giving you quote for your auto insurance. Making a payment on time and keeping a good credit history will assist keep your car and home insurance rates lower.

5. Safe driving

You may be entitled for a inexpensive car insurance rate if you have no accidents or tickets for at least 3-5 years. Depending on your state, a single ticket can increase your rate up to 10%.

6. Purchase a low-profile car

The type of cars you drive impacts your rate. Sports and high performance automobiles are classified as high risk for insurance companies because of the high cost of repairs and these vehicles are the most common target of thieves. .

7. Where you live

If you live in a rural area with fewer traffic congestion and little crime rate, your insurance rate will typically be cheaper than if you reside in urban area where your automobile is more likely to be stolen, vandalized, or involved in an accident.

8. Keep your vehicle in a secure garage location

If you park your car in a garage of safe location, they are less likely to be stolen. You can receive cost reduction if your automobile is safely garaged.  This is a simple way to get low cost car insurance rates.

9. Install safety features or anti-theft devices

Insurance carriers provide a lot of discounts for anti-lock brakes, automatic seat belts, and airbags. If you got anti theft devices on your car you may be given price reduction.

10. Ask for discounts

You can receive several discounts from insurance companies. All you have to do is ask. Some insurance providers provide discount if you get more than one type of insurance from the same company. Some insurance carriers give discount if if you get insurance to more than one car from the same insurer. You may also be eligible for discounts if you are a member of AAA or certain group or you can acquire discounts for taking defensive driving class. If you have been with the company for several years now, they can also give you a discount. You can sometimes get a good rate on monthly car insurance as well.

11. Shop around

If you are not happy with your existing insurance provider, the best thing to do is to shop around. Even if you may think that you have the cheapest policy, it is still advisable to shop for auto insurance quotes since theres several insurance companies out there that will provide competitive rates just to get your business. Before renewing your policy, be certain you shop first before renewing it to make sure you are with the best insurance carrier.

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