Getting a low auto insurance rate can seem like a maze of confusing discounts. But the basics of getting low rate auto insurance just require the driver to use their best judgment.

The most important thing is not to let coverage lapse. When a driver goes any length of time without continuous coverage, the insurance companies see it as a sign that the driver is likely to take risks. The amount the insurance companies penalize drivers for not having continuous coverage can often exceed the amount they could have paid to be covered during that time.

The second most important thing is to be honest. Knowingly submitting false information on an auto insurance application can be construed as fraud and provide the insurance company a reason to deny a claim, drop coverage, or refuse to renew a policy.

The third easiest way to keep low auto insurance rates is to pay the policy premiums in full instead of using a monthly payment plan. Auto insurance companies charge an administrative fee for arranging payment plans that can add a significant amount to the cost of the policy.