1. Get an auto insurance rate comparison quote from several companies.

2. Compare insurance rates as part of determining what new vehicle to purchase. A change in the drivers’ vehicle situation changes car insurance discounts.

3. Save up a repair fund so that you can comfortably raise your deductible.

4. Older vehicles may not be worth enough to justify collision or comprehensive coverage.

5. A high credit score has become one of the biggest insurance rate savers.

6. Track mileage. It may be more cost effective to use mass transit occasionally to take advantage of low-mileage discounts.

7. Ask about discounts for organizations you belong to. Even if the company does not offer a specific discount for the organization, they may have a discount for the demographic the organization represents.

8. Ask for discounts. However, realize that many companies with higher rates offer higher discounts, still leading to higher rates.

9. Do not let coverage lapse. Even a short lapse in coverage can disqualify a driver from the lowest auto insurance rate by placing them in a higher risk level.

10. Pay the policy in full. Insurance companies charge an administrative fee for payment plans.