How do I lower my auto insurance rates?

There are many ways to lower your insurance rates, here are a few simple ways. 

• Shopping around is the best way to save. CarInsurance.com shows you that there are many companies trying to get your business. Companies change their rates regularly, so even if you shopped when your last policy renewed it is a good idea to compare rates regularly.
  We recommend getting at least 3 different prices. Our site allows you to get 1-15 rates depending on your state. With our agency, you can purchase the insurance immediately through us, or compare to other competitors. Get quotes from different types of insurance companies. We offer companies that sell through their own agents, we offer companies that sell directly through independent agents (like CarInsurance.com). We even offer companies that only sell directly to consumers over the phone or via the Internet.
• Drive a hybrid or efficient cars that are proven to have less claims or costs for repairs.
• Drive carefully. Even one or two traffic violations can increase your rate by $200-$400, depending on the state, the insurance company, and safe driver discounts that can be available with carriers.
• Never let your policy expire; don't let a policy not renew or have replacement coverage. You will pay more when you buy a new policy if you haven't had previous continuous coverage.
• Check insurance costs before you buy a car. This will save you more in the long run.
• If you have an older car, don't buy physical damage coverage. There is no reason to pay more for coverage if you can easily handle the costs of repairs yourself.
• Purchase multiple policies for other products to get a multi-policy discount.
  For example, with Safeco we offer the ability to buy homeowners insurance along side your auto insurance. You can get up to a 20% discount if you are eligible for homeowners coverage. With Progressive, we ask you if you have any other policies (motorcycle, boat, etc.) to save you money on your auto insurance.
• This one is harder, but it is more and more important for your auto insurance premiums. Insurance companies have found that credit ratings are a direct indicator for claims, so they use it as a rating variable. If you can, do everything possible to maintain a good credit record. In certain states, like California, credit cannot be used as a rating factor.
• With CarInsurance.com we automatically factor in low mileage discounts based upon the mileage answers you give. You should pay less if you drive a vehicle less so make sure you are getting low mileage discounts for the cars you drive less. If you're driving less, make sure you tell your company before your next renewal.
• Request higher deductibles for coverages that have deductible options like comprehensive, collision, PIP (some states), UMPD (some states) coverage. 

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