If you are looking to lower your car insurance premiums, you have many ways of doing so!

If you want to save on car insurance you can do yourself a big favor by talking to as many auto insurance companies as possible. The more options you have for yourself, the better chance you have of one of those options giving you a good deal. Year long premiums can vary by as much as $1,000.

If you haven’t yet purchased a car and cant decide what car to get, see what premiums you’ll have for each. Generally, the more powerful and expensive the car is, the higher your car insurance costs will be. Furthermore, the more safety features a car has, the less the premium will be.

If you’re really feeling the pressure from your car insurance premium, you can breath a little easier if you increase the deductible you have. The deductible is the amount of cash you pay yourself before the insurance company pays for the remaining damage to your car. Just make sure that you don’t increase your deductible by too much.

Consider buying a longer policy. Rather than opting for the 6 month term, try to get the policy that is one year long. When buying the longer car insurance, you are essentially buying wholesale.

Try to eliminate insurance that you don’t need. If you’re driving around in a beat up old car, for example, you probably don’t need the collision and/or comprehensive insurance.

Rather than relying on online sources for quotes, its always a good option to speak to the insurance company and to tell them as much about yourself so that they can give you any discounts you are eligible for.

You may get a discount if you insure your auto with the same company you get homeowners or renters coverage from. You should still explore options from other auto insurers as the house/car insurance discount may be miniscule compared to the other alternatives.

Drive slow and safe. Your auto insurance premium will go up with every accident and/or traffic violation that you get.