1. Be A Careful & Safe Driver
If you are not already a safe driver then chances are that you're paying much more in insurance than someone else who is a safe drivers. Insurance companies figure that if you're a person who gets traffic tickets or has a record of previous accidents then you're not safe. The less safe you are, the higher chance that you'll get into an accident and cause the insurance company to cover your loss. To make up for this added risk which the insurance company must bear, they charge unsafe drivers extra in insurance premiums.

2. Insure Your Car For Pleasure Only
If you insure your car for commuting to work, business use or commercial use then your premiums will be higher. The reason being that if you don't drive to-and-from work, or drive for business then chances are that you drive your car less. The less you drive the less the chance of getting into an accident. The insurance company charges you more if they believe that you will be driving your car more. If you insure your vehicle for 'pleasure use' only then you'll be paying less in premiums. This may mean that you leave your car at home and take public transportation to go to work. You can help out the environment and save on insurance, gas and parking.

3. Insure Multiple Vehicles With One Company
Many insurance companies offer a discount if you insure more than one vehicle with that company. Take advantage of this offer if you own more than one vehicle.

4. Use Anti-Theft Devices
The less chance that your vehicle will be stolen, the less chance that your insurance company will have to reimburse you. For this reason some insurance companies provide a discount if you're using an anti-theft device.

5. Choose Higher Deductibles
A deductible is the amount which you must pay of a claim before the insurance company covers the balance. For instance, if your deductible is $300 and your car is repaired for $1000 then you must pay $300 for the repair and your insurance company will pay the remaining $700. The higher the deductible which you choose then the lower your premiums.

6. Compare Rates Of Different Insurance Companies It's always wise to compare insurance rates of different auto insurance companies and then decide. Not all insurance companies charge the same premiums. You may end-up saving a lot of money by finding the lowest cost insurer.

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