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You have come to this site because you are shopping for the best insurance rate.  Right?  In economic times like this, who isn’t looking for the best bang for their buck.  There are a number of factors that affect the cost of your auto insurance premiums.  Know these factors before purchasing auto insurance and you will be able to get discount auto insurance. 

Here are 10 tips on how to get discount auto insurance:

1. Know your risk category.  Each one of us falls into one or more risk categories.  These risk factors affect your rating and ratings affect your premium costs.  For example, if you live in a large  metropolitan area, chances are you will pay more for auto insurance than if you lived in a rural area.  Why?  The chances of theft or an accident are higher for drivers in large cities.  You may or may not be able to change these risk factors.
2. Ask your agent about discounts that can lower your rates.  Discounts for driving less than 7500 miles a year, having multiple cars insured by one insurance company, taking a refresher driver’s education course, are among the many reasons insurers give lower rates too.  It doesn’t hurt to ask and it just might save you money.
3. Consider saving money by combining your auto and homeowner’s policies.
4. Each state has it’s own minimum insurance requirements that is mandated for all drivers to have.  Find out what your state requires it’s motorists.
5. Once you understand the minimum requirements for your state, determine if that will be adequate for you and your situation.  Consider purchasing more insurance for your own protection.  For example if you have a newer car you may want to purchase collision and comprehensive coverage.  Collision covers damage when your vehicle impacts another car or fixed object, and comprehensive pays for damage from almost all other causes.  Buy a policy that has adequate uninsured/underinsured motorist coverage (this coverage should match your liability coverage amount).  In the long run and in the event of an accident, these optional coverages may save you money.
6. Understand the insurance terms/jargon before talking to an agent.
7. Take advantage of the competitive marketplace and get multiple quotes before buying car insurance. By comparing rates and policies side by side, you can get insured more cheaply than ever before. All it takes is a few minutes, some basic information and smart decision-making.
8. Lower your premium by opting for a higher deductible.
9. The type of car you own and the nature of its use will effect your premium. 
10. Consider driving a low profile car versus a sports car.
11. Buy from a reputable company that has a good A.M. Best rating.
12. Keep a good credit rating
13. Drive safely and avoid tickets and accidents.

Take the time to shop around.  You will save money if you compare rates with similar coverage.  If you haven’t done so yet, use our 5 free quotes online service.  Let us help you find the right coverage and policy at an affordable rate.  You can get discount auto insurance now.