Insure multiple cars/drivers

Inquire about insuring several drivers and/or vehicles. Some companies may also provide a car insurance discount if you maintain other policies with the same company. More insurance companies are offering discounts for multi-policies.

Shop around

Get quotes from various companies. Remember that cheap doesn’t always mean good. You should compare car insurance quotes every year. By comparing car insurance costs you are able to see how much you are gaining and how much more you could be gaining.

Select your vehicle carefully

If you drive an SUV or a sports car your car insurance could be more expensive than insuring a small (but safe) lower-cost commuting car. Statistically, smaller cars have been proven to be low-risk and less likely to get into accidents. Drivers of high-performance vehicles on the other hand are considered to be more likely to get into a car crash. Insurance companies rate these cars based on how much they anticipate that they will need to pay in the event of an accident. In addition, when you factor in crime, that also affects your car insurance. If your car is at a risk of being stolen you will pay higher insurance premiums.

Negotiate with your agent

By asking about special discounts you may be able to get better savings. You should make sure that you ask your agent about specific discounts that you may qualify for. Even after you get a car insurance quote you need to make sure that you assess it thoroughly so that you are getting the best cover for your needs.

Improve your credit rating

Your creditworthiness should also be considered when you are looking for the lowest car insurance. If you want to save more you should make an effort to improve your credit rating.