The first thing you should do to lower your car insurance rate is incredibly simple, yet most people never even think to do it. Simply call your insurance company and ask them what discounts they offer. Many companies give a wide range of discounts for everything from AAA membership to good grades to college alumni status. Often times, people have no idea that they could qualify for one or more of these discounts. Therefore, you could possibly save hundreds of dollars a year by simply making this one call.

Another great way to save big on auto insurance rates without even changing insurance companies is to raise your deductible. If you have a deductible in the range of $250 or even $500, then you could probably save quite a lot of money each and every year by simply raising your deductible to $1000. In fact, many people can save enough in just one year to cover the difference in their deductible, should they ever get into an accident. And that savings will continue year after year. So ask your agent about lowering your deductible, and you could save even more money.

Of course, you might not be able to get the lowest rates unless you shop around with other companies. Different auto insurance companies use different formulas to come up with their rates. Thus, even if you are currently with a discount insurer, there might be a company out there that would offer you substantially lower rates, simply because they evaluate your individual circumstances differently than do other companies.

Therefore, it really pays to shop around and find the lowest rate. But when shopping for car insurance, be sure to check with a broad range of companies. The lowest rates aren’t always found with the “discount” insurers. If you do your homework, inquire about discounts, and raise your deductible, you can get low auto insurance rates and save literally hundreds or even thousands of dollars each and every year.

About Author

Scott Miller is a freelance writer and consultant. To learn many more secrets of getting cheap auto insurance make sure to check out his site on low auto insurance rates.

Some of the things that will keep you from getting the best auto insurance rate include a bad driving history (lots of accidents and/or moving violations), a bad credit score, and simply owning a car or truck that is considered relatively risky to insure.

Here are some things that you can do to find the cheapest auto insurance rate available in your area and find the best possible rate that you may qualify for:

1. Compare at least 3 different auto insurance companies offers side by side. You might be surprised at the drastic differences in rates from company to company – often because they evaluate risk quite differently.

2. Take advantage of any discounts that you may qualify for. Good student programs, senior citizen programs, and multiple lines of insurance (usually homeowners insurance and auto insurance) are all examples of programs that can often use to get a lower auto insurance rate.

3. Request online auto insurance quotes from an independent quote shopping service. It is nice that many auto insurance companies are starting to show other companies rates along with their own rates to better educate consumers. One step better than that though is to use an independent quote shopping service that will show you rate quotes from many different auto insurance companies.

Keep in mind that company reputation, customer service, claims handling, coverage area and other important factors all should be a part of your decision and not just price alone. Do your research and get to work saving money on your car insurance now!

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