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These savings won’t just save you money this renewal.  They’ll save you money for years to come.  Remember there are things you should do and things you should ask to lower your rates.  The insurance agent isn’t going to do it for you.

The first thing you need to look at is your driving habits.  Safe drivers get to save money.  If you have had no points in the last 3 to 5 year you will earn huge discounts.  The length of time is dependant on which insurance company.

There’s a very good reason why you get to save lots if you have a clean driving record.  Statistics show that just one speeding ticket increases your risk of being involved in an auto accident by almost 100%, not the type of risks the insurance companies want to take and so if you are prone to speeding tickets you are going to have to dig deep into your wallet for the premiums.  Get Free Insurance Quotes!  

Did you know if you drive less often you can also save on your premiums.  Again it comes down to the risks for the insurance company.  The less time you are on the road, the less likely you are to be involved in an accident and so the less chance the insurance company is going to have to fork out for your damaged car.

A car is a big investment and not something you’re likely to change without some thought.  But if you haven’t yet purchased your vehicle or are just in the market there are some things you should know that may influence your final decision.  Insurance companies charge higher rates for cars that pose a higher risk.  Sporty cars because they are more often involved in an accident, cars that are more likely to be stolen, and cars lacking in anti theft and safety devices will all pay more.

Airbags, automatic seat belts, anti lock brakes, car alarms, and even the new onstar system will reduce your premium.  Some vehicles have exceptional safety records and you’ll get rewarded with a lower premium if you choose one of those vehicles. Other’s have horrible safety records such as the SUV’s which tend to have a high roll over rate, so you are going to pay more.  Some vehicles are very popular with thieves so you’ll pay more for theft coverage.  If you do not already own a vehicle and are just in the market you should check with the insurance companies for exact details before buying anything.

Here is something else you should consider.  Although your insurance cost can be a large part of your yearly vehicle expenses, don’t forget about the car payment which probably eats up a good percentage of your monthly income.

If you are making payments on a car you should make sure you have the lowest interest rate you can get because you can save up to half of your car loan cost with a reduced interest rate.  You may want to check out My auto loans for some very competitive and low interest rates.

Which brings us to another topic, your credit record.  Fair or not your credit record does affect your insurance rates.  The insurance companies believe that if you pay your bills on time and are careful to maintain a good credit record you are more likely to drive carefully.  Right or wrong it’s how they see it, therefore a poor credit rating will cost you money but a good credit rating will save you money.

Last of all don’t get one or two quotes and stop.  Get plenty of online car insurance quotes so you know you are getting the best value.  You may even want to check every few months to make sure there hasn’t been any substantial reductions that you could benefit from.

Always choose your auto insurance company with great care.  Giving them your money is the easy part but in the event of a claim you want to know you are dealing with an insurance company that expeditiously handles claims and doesn’t give you grief and drag claims on forever.  No matter how great the savings, your insurance isn’t worth a nickel if you’ve got an insurance company that doesn’t pay out.  Check out an insurance companies rating before you buy.

That’s it.  You’re loaded with information to help save you money.  Are you ready to save on your insurance by getting car insurance quotes online?  Get Free Insurance Quotes!