Auto insurance is never a fun bill to pay. That money could go to fun items like vacations, toys, and so much more. Why not cut those rates to help you keep that money in your pocket. Enjoy these auto insurance money saving tips:

Get your deductible right

Setting your deductible can play a large role in how much your auto insurance premiums are. The lower the deductible, the higher the rate will be. This will be something you need to put a bit of thought into as it may not comes into play right away.

Raising your deductible from something like $200 to $500 can save you a pretty penny. Change your collision deductibles while you’re at it. Shelling out $1000 from your own pocket can save your almost forty percent on your auto insurance premiums. Save that money for the first year to help cover those higher deductibles.

Higher deductibles might mean you pay more in the event of a claim. Yet, the money your save in the long run will more than easily make up for having to shell out some cash. Remember, most people may file a claim once every five years. How much money would you have saved in this time?

Brag about your public transportation use

Changing the mileage you commute on a daily basis can save you heaps of cash on your auto insurance policy. Take the bus, ride a bike, walk, saddle up a horse if you have to. Just don’t forget to brag about your change to the auto insurance agent.

Auto insurance rates are also based around average yearly miles put on by drivers. If you drive less than 12,000 miles a year you just might be eligible for some drastically lower rates.

Choose wisely

Choosing your car has a lot more than just avoiding a sports car. You will need to consider a few more factors than candy apple red or midnight black on your new sedan. Spend some time with the Internet and you will find that auto insurance rates are based off of other factors from just the number of doors and how much gas that engine can consume.

Auto insurance rates can very drastically based on the safety features, theft rates, and protection devices that are provided on your sleek chariot of go. Be sure you look at these factors when you are in the market for a new vehicle.

Manage that teen

Parents everywhere know the headache that comes with auto insurance rates thanks to teenage drivers. This might be the prime time to chat with your teenager about holding off on getting a car until they are 18 or 19. Rates are often lower for this group than they are for brand new happy drivers.

You work hard for that money. Keep your auto insurance rates as low as you can so you can enjoy more of that hard earned money. It is more enjoyable to spend your money sipping a Mai Tai on the beach than paying for your auto insurance agent to enjoy that Mai Tai.