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You’re looking around for car insurance and the best rates possible. There are various ways you can lower your premium rates. First, you should begin by shopping around for the best auto insurer and then trying to work down that rate even more. If not, you can always use the tips with multiple car insurance companies to see how low you can get a rate without cheating yourself out of too many benefits.

Driving Less

It’s a proven fact that the more you drive, the more at risk you are of getting into an accident. Every time you get behind the wheel you are risking the chance of getting into an auto collision. So when you drive less, this chance, of course, decreases. Insurance companies see this and reward drivers that drive less. This may not seem plausible to you, but there are various ways you can get around with driving yourself. Taxis, buses and even bike riding are all great ways to get around. If you live along the bus line that runs to your school or job, then that can be used to minimize your use of a vehicle. Also, taxis can be inexpensive if traveling in short distances. Or get a good workout riding your bike around town. Some people even ride their bikes to and from work or school.

Don’t Use Your Car for Business

Most people know that when you use your vehicle for business purposes that it raises auto insurance rates. This is because you’re driving more than the average person, which increases the risk of getting into an accident. A business use surcharge is added to the policy you take out. Being that you’re driving more for business, the annual mileage increases on the policy — the more miles you drive a year the more you have to spend on a policy. Now, when you have a lot of miles on your vehicle, it also increases the chances of problems occurring internally (meaning the engine, breaks transmission, etc). If you can keep your annual mileage at 7,500 or less you can keep your rate down on your premium. You want to make sure to inform the insurance agent that you use your vehicle for business purposes, so that you can ensure that your business travels will be covered.

Raise Your Deductibles

When you increase the deductibles on your policy, it’s saying that the insurance company pays less for accidents, which is a good thing for them. By increasing your deductible from $250 to $500, you could end up saving between 10 to 15 percent on your annual premium rate. Now, keep in mind that you will be paying more money out of pocket for auto accidents. The deductible you choose means that you will have to pay that before the insurance company steps in to handle the remaining costs (depending on the limits that you choose for liability).

Drive Safer

This may seem easy to do, but it’s actually harder than you may think. Now, if you were the only person on the road, then maybe you would be able to stay a safe driver, but unfortunately this isn’t so. With all of the different drivers on the road, you have to keep an eye on their motor skills, as well as your own. Just stay calm while driving and avoid getting road rage. Try not to get into any accidents or get any tickets, so that you can remain a safe driver, thus allowing you to receive cheaper rates on your auto insurance policy. By obeying all of the laws of the road it will keep you under the radar of authorities and out of auto collisions.

Drive a Car that’s Low Profile

Owning a high profile vehicle is screaming for attention, which could lead to break ins, vandalism and/or theft. Flashy cars like high performance and sports vehicles get lots of attention and are targeted by thieves and vandals. Then statistics show that drivers that own flashy vehicles tend to drive recklessly.

Move to a Safe Location

The location you live in plays a part in the policy rate that you receive. For instance, if you live in an area that is known to have a lot of crime involving car theft and vandalism, you can be sure that your premium will be a lot higher than most. Then if you live in the city part where there is a lot of traffic, there is increased chances of you getting involved in a collision. Try moving to an area that is more rural with less traffic and lower crime rates. This means that your vehicle is less likely to be vandalized, stolen or involved in an auto accident.

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