Most people pay too much for their automobile insurance because they don't do a little homework before they buy. A quick two minutes with this article may save you hundreds of dollars in premiums. If you haven't shopped around lately for "low cost car insurance", you may be spending more money than necessary. Let's see if these tips help you keep more of your money in your pocket!

1) The Internet

I have friends who are local agents in the insurance business. I don't buy my auto policies from them. I buy my car insurance on the Internet. Someone has to pay that local agent's commission and it's sure not going to be the insurance firm. That cost is passed directly on to you.

2) Comparison Shop

This is the most important tip I can give you. If you want to find auto insurance discounts, you've got to check out at least six company web sites and get free car insurance quotes. It may take a few minutes of filling out forms on each site to get a quote, but where else can you save this kind of money. Another plus to buying online car insurance is that you're not dealing directly with a smooth talking agent that can make you feel a sense of obligation. DO THIS EVERY YEAR!

3) Group and Good Credit Discounts

Look for low cost car insurance companies that offer affinity and good credit discounts. If you belong to large retirement associations, travel clubs, recreational vehicle clubs and other large groups, you may qualify for reduced rates. Good credit scores mean better rates,too, so keep your bills paid on time. Another way to lower your auto insurance is to monitor your kid's study habits. Many insurance companies offer discount car insurance for good students.

4) Your Lifestyle

Low annual vehicle mileage, an excellent driving record and living in an area with a lower crime rate all contribute to low cost car insurance premiums. The type of vehicle your drive can have an impact on price. It's obvious that the more expensive your car is, the higher it is to insure. Also, keep your car garaged every night and, if possible, use a security system.

5) The Policy Deductible

Your deductible should be examined every year. Circumstances change and you may not have young drivers at home anymore, or your income is such that you can self insure more of the deductible. Raising the deductible on your auto insurance may be a good bet.

Research your car insurance premiums annually, instead of just automatically renewing your present policy. A premium difference of a few hundred dollars is worth the time it takes to find low cost car insurance.

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