When it comes to the things drivers can control about their car insurance rates, the two biggest factors are how they drive and what they drive. Driving defensively can cut down on negative marks on a driver’s record, but the driver cannot change their driving history. This leaves the car a driver chooses as one of the easiest auto insurance rate savers. Car insurance rates often make up a sizable percentage of a household’s budget and choosing the right car can help lower that percentage of the budget.

When purchasing a new car, drivers should narrow the possibilities to a few vehicles and then get quotes for the best auto insurance rates for each of the vehicles to better understand the difference in insurance costs each choice will make. If purchasing a used or older vehicle, the buyer may want to consider buying a vehicle paid in full. By purchasing a vehicle without financing, the buyer is able to consider more freely what level of collision or comprehensive coverage is needed considering the value of the car. Many online insurance quote services can deliver quotes or estimates quickly, allowing a buyer to compare two vehicles easily.