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Get as many free insurance quotes as you wish.  The more the better!!  A free quote can provide you with a wealth of information.  But before purchasing any insurance you should know some facts about how to save money and earn discounts on your insurance. It's best to compare  Competitive Insurance Rates.

Have a look at your driving habits.  Are you a safe driver?  Have you had any accidents in the past 3 years?  How about speeding tickets?  If the answer to the last two questions is no then you’ve just earned yourself a discount that can be as much as 40%. 

If the answer to these two questions was yes, then perhaps it’s time to drive smarter and safer so that you can earn a discount in the future. There is a reason the insurance company’s  penalize you if you have speeding tickets.  Stats show that for every speeding ticket you get your chance of having an accident goes up 100% - that’s pretty scary!!

Determine how far you drive each day? Each year? Is there a way you can reduce the distance you drive?  Use transit?  Carpool?  If the answer is yes then you may be able to save more on your insurance premiums.  The less you drive the lower your premiums because the less risk you are to the insurance company because you are less likely to be involved in an accident.  Click Here to Save Money on Auto Insurance.

What type of car do you drive?  Newer or older?  Does it have a high rate of theft?  Is it an expensive car to repair?  Does it have safety features?  The answer to these questions is important to your rate because you may be able to get more of a discount. 

If your vehicle is classified as a high risk vehicle for theft or role over, or if is it a sports car may have to pay more.  If your car is a compact or if it is equipped with safety equipments such as air bags, anti lock breaks, and side impact beams you will pay less.

The insurance company has all the statistics related to claims for your state and even for the entire country.  So they know what vehicles pose a higher risk of larger payouts and they will make you pay the extra premiums because of those risks. 

Vehicles with exceptions safety records can earn you a discount of as much as 20%.  These safety records are based on stats related to seriousness of injuries, cost of repair, and the number of fatalities. 

How’s your credit rating?  Good? Bad? Middle of the road?  I know you’re thinking what does it matter.  But surprisingly it does matter.  Insurance companies use your credit rating to determine risk.  Perhaps not fair but it is the way it is. 

The insurance companies feel that if you pay your bills on time that makes you “conscientious” person so you are more likely to be a careful driver so they give you a discounted rate.

If you have a poor credit record  insurance companies feel that you are more likely to be “impulsive” or “careless,”  and so they charge you higher rates.  If your credit rating is a little iffy you might want to work on improving it a bit.  Even a little bit will make a difference on your rates. 

Have you shopped around with different companies?  Do you know their rating?  Have you checked into how they handle claims?  All important questions before parting with your money.  Paying for an insurance policy is the easy part but you want to be sure that should you have an accident they are quick to do their part to settle that claim.

That’s it.  You’re loaded with information to help save you money.  Are you ready to save some money by getting your Free Insurance Quotes  online?  Get Competitive Insurance Rates!