1. Use an insurance broker to find you the best car insurance rates possible. Brokers have access to dozens of different car insurance companies.
2. Pay only for the car insurance coverage that you need. Consult with your broker to determine what type and level of coverage best meets your needs.
3. Some car insurance companies offer package discounts if you insure all your vehicles with the same company. If you own a home or have renters insurance, you might be able to save more with an auto/home discount.
4. Know your credit score. A few car insurance companies use your credit score as a factor to determine your car insurance rate. If you have a good credit score, you may get a lower rate than someone who has a lower credit score. If you have a lower credit score, ask your broker to give you a quote with a car insurance company that does not use credit history as a rating factor.
5. Instead of paying your car insurance bill monthly, pay it all in advance. You can save on the monthly fee charged to you by paying it all at once.
6. Choose the highest deductible you can afford for your car insurance comprehensive and collision deductibles. The higher your deductible, the lower your rate.
7. If your vehicle has air bags, anti-lock brakes, automatic seatbelts,you might be able to save a little more on your car insurance bill.
8. Keep continuous car insurance coverage. if you keep on lapsing your policies, it becomes difficult to get a continuous car insurance discount.
9. In part, your car insurance rates are also determined by your driving history. Know when your tickets and accidents are going to fall off your driving record.