How much are you spending on your auto insurance? Are you paying around $4000 or $5000 perhaps? Do you want to decrease your insurance rates? That’s uncomplicated, here’s how.

Raise your deducible. Your deductible is what you have to pay as part of your auto insurance claims before your insurer kicks in and settles the rest. If you think about raising your deductible for a a couple of hundred dollars like from $100 to $500 or even to $1000, you can save hundreds of dollars in a year!

Get security system and safety devices for your car. Take into consideration  the importance of  getting security system on your car like anti-theft device, car alarm and also safety devices like automatic seatbelts, anti-lock brakes etc. Generally, auto insurance providers will provide you a price reduction for having those devices installed in your vehicle. These devices do not only provide you the peace of mind but also it gives you the chance to lower your insurance rates.

Drive less and lower your driving miles. Your car usage affects your car insurance rates. The higher your driving miles, the costlier your insurance rates. Take into consideration taking the public transportation or even carpooling to reduce your driving miles and get better insurance rates.

Carefully review your auto insurance policy. Understand your policy and make modifications if you need to. If you have collision and comprehensive coverage and you’re using an old auto, then remove those coverages. It’s impractical to get those for an old vehicle.

Shop around. Do comparison shop for your auto insurance. Check the Internet and obtain different vehicle insurance rates. From that alone, you can get the lowest insurance policy possible.

Ask for discounts. There are a lot of car insurance discounts that you can take advantage of like:

Good driver discount, if you have spotless driving records;

Low mileage discount, if you are driving your auto less;

Multi-vehicle discount, if you are insuring more than one auto;
Multi-policy discount; for buying multiple policies from the same insurer like your home and vehicle insurance.

Good student auto insurance discount; if you are a student with an average of B or better.

Safe Driver discount= if you take authorized defensive driving class

Safety features discount= if you set up anti theft device and safety features in your car, you can acquire discount

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