Auto insurance proves to be a costly affair that many owners dread to bear.
However, we have come up with 8 tips to save on your insurance and many if
not all of them will apply to you.

1. Shop around
   

   There are hundreds of companies out there offering affordable insurance policies.
   Many of them charge different premiums for the same amount of coverage. If your
   tight schedule keeps you from dealing with more than one insurance company, use
   an online insurance aggregator which will have deals from the leading insurance
   carriers.

   
   
   

   Your Zip Code

   
   
   
2. Watch your credit
   

   Insurance companies use credit scores to determine insurance premiums. If you
   pay your bills on time and have not defaulted on anything you do not have to
   worry. If your credit score is higher than normal or has inaccurate information,
   you will end up paying almost twice as much for insurance coverage. If you
   have been denied credit within the past 30 days, you are eligible to receive
   your credit report for free. There are also credit monitoring services which
   can monitor your credit for a monthly fee.

   
   
   
3. Increase your deductible
   

   Deductible refers to the amount a car owner shares with the insurance company
   while making a claim. This sum is inversely proportionate to the premium amount,
   which means if you increase your deductible from $250 to $500, your annual premium
   can be reduced as much as 20% in some cases.

   
   
   
4. Keep your car parked in a garage
   

   Parking your car in your garage at home can reduce theft and vandalism. For this
   reason, auto insurance companies reward you with lower insurance premiums.

   
   
   
5. Keep your driving record clean and up-to-date
   

   Drive safe. Traffic accidents, driving violations, drunk-driving convictions,
   etc. will cause your insurance premiums to rise. If you do in fact have any
   of these, make sure to take care of them and hire an attorney if needed to
   get them off of your driving record. Keep up to date vehicle records.

   
   
   

6. Car Alarm / Safety Features
   

   Installation of security and safety devices like car-alarm, tracking system,
   anti-lock brakes, automatic seat belts and airbags in your car serve dual
   purposes. They make your car less prone to theft and attract discounts from
   auto insurance companies.

   
   
   

7. Get a car least likely to get stolen
   

   Flashy and sleek car models are every owner's dream but often attract the
   attention of destructive and malicious minds. Where as a car with a less
   glamorous exterior is unlikely to be stolen or vandalized and insurance
   companies will offer lower premiums.

   
   
   

8. Discounts for groups and members
   

   Members of the American Automobile Association (AAA) save millions annually
   on their auto insurance as a group just by giving their membership information
   when buying their auto insurance. There are many other established professional
   associations you may be a part of and can enjoy discounts on your insurance
   plans.