If you drive less than 10,000 miles a year, you may be eligible to receive a low-mileage discount on your auto insurance. Some insurance providers may even give you discount if you commute to work.

2. Avoid driving for business purposes

Several insurance carriers will add a surcharge or raise your rate because of this. Make sure that you allow your insurance company know that you will be operating the automobile for business reasons so you will be rightly covered.

3. Raise your deductible

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

4. Keep good credit rating

Your credit record is one of the components that insurance carriers look at when providing you quote for your car insurance. Paying your bills on time and maintaining a good credit record will aid keep your auto 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 one ticket can raise your rate up to 10%.

6. Purchase a cheap vehicle

The type of cars you drive impacts your rate. Sports and high performance cars are categorized as high risk for insurance providers because of the high cost of restoration and these vehicles are the most usual target of thieves. .

7. Geographical location

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

8. Keep your vehicle in a safe garage location

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

9. Install safety features or anti-theft devices

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

10. Ask for discounts

You can get a lot of discounts from insurance providers. All you have to do is ask. Some insurance carriers provide discount if you buy more than one type of insurance from the same insurer. Other insurance providers give discount if you insure more than one automobile from the same company. You may also be entitled for discounts if you are a member of AAA or certain group or you can receive discounts for taking defensive driving class. If you have been with the company for several years now, they can also provide 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 present insurance carrier, the best thing to do is to shop around. Although you may think that you have the most affordable policy, it is still recommended to shop for automobile insurance quotes since theres various insurance providers out there that will provide the lowest rates just to have your business. Before renewing your policy, make sure you shop first before renewing it to make sure you are with the best insurance company.