Below are 12 tips that can help you get lower cost auto insurance.

Tip 1 – Shop Around:  Spend a small amount of time that various automakers and insurance brokers – a few phone calls and save, send e-mails you can watch hundreds of people in just one year. Internet-only car insurance companies often have lower premiums because they have lower costs compared to larger companies with large offices and employees.

Tip 2 – Compare the market:  The Internet now makes it easier because there are many price comparison sites, research, crunch that data and compare different offers in seconds to show you the lowest price car insurance available. This saves time and money.

Tip 3 – Price Guarantee:  Car insurance is very competitive. Once you have a quote on any business you get a better price and they often come with a price even a say, because they want your business. They seduce you with a quote cheap on the basis that is likely to be next year when you renew your not trying to be worried because they assume that you return to cheaper suppliers of auto insurance of the next year – not necessarily!

Tip # 4 – Increase your deductible:  The auto insurance company has a compulsory excess, but you can add what will be known as a deductible to lower your premiums. Do not do this if you are not the best driver and then you really have to pay if you have an accident.

Tip 5 – Improve the safety of your car:  The establishment of an alarm or an immobilizer in your vehicle will usually reduce your premiums when your car insurance provider, then you have less chance of an application. Not every company will take this measure is so it is best to check with your current company first, before heavily in security and the purchase value of major insurance companies, helping you avoid a extra effort that your car was stolen. Many insurers offer lower premiums if you park your car in a garage or driveway.

Tip 6 – Accept limited mileage: Many drivers do not use your car more. If you work nearby or simply use your car to run errands, then your chances of an accident related to a person who works in the street or driving a long way to work each day is much lower. Insurance companies make money when you do not have accidents, if they think you’re a small risk that nothing is driven by lower rates if you are in this category are some restrictions in your policy.

Tip # 7 – Buy a cheaper car:   If you want to reduce your car expenses, then buy a cheap car that is not well developed – it is much cheaper to make sure that every year there, and chances will be much less cost in the expenditure common, such as oil and gas. Try to find a car that is common is for maintenance and spare parts to buy cheap. Avoid cars with modifications and extras that make car thieves.

Tip # 8 – Take-thirds only:  If your car has a high replacement value, then the car insurance all risks in case of accident, but otherwise keep the calculated risk of liability insurance if your car has a low value.

Tip 9 – Drive slowly and safely:  Insurance for low-risk drivers love with a clean driving license, because they rarely need to make a claim, and insurance companies continue to make all their profits. Insurance does not like young drivers high risk because they are much more prone to accidents that are caused by inexperience or exhibitionism. Drive slowly and with due diligence will help you build your non-bonus points, the driver to identify safer and result in lower insurance premiums and cheaper car. All beliefs can be found on your driver’s license all increase your auto insurance premiums. Older drivers are preferred by auto insurance companies because they have proven less accidents if you go in this category for companies which are specialized only provide insurance for older drivers.

Tip 10 – Get your policies under one roof:  In addition to auto insurance and you are bound to certain other types of insurance, ie, to have home insurance and contents. Try your current insurer should be more like they want their business, because it costs less to an existing customer happy than to find a new one.

Tip 11 – payable annually:  Not attempted, your payment will be distributed, because the payment register your car insurance in one lump sum, a lot of money. With monthly premiums the amount of interest is added to cover additional administrative costs which ends ultimately more.

Tip 12 – Drivers nominated:  Sometimes, another driver for your car insurance premiums will decrease. This is particularly the case if the other driver is older and with a clean driving license. You can not even drive the car, but give access to the credibility of your claim and the insurance company is on the side of time travel is it to take the vehicle.