Most people feel they are spending too much money on car insurance and would like to lower their car insurance rates.
But many people think that there is nothing they can do about the high price they are paying.
This is not always the case.
There are a few things that you can do that may lower your rates.
1.
Drive Less The amount of miles you drive per year can affect your auto insurance rates.
By driving less you could lower your auto insurance premiums.
Try to find someone to carpool with on your way to work and you could wind up saving money on car insurance next year! 2.
Choose a Higher Deductible Choosing a higher deductible on your policy can lower yourpremium.
However, make sure that you have enough money to pay the deductible in the event of an accident.
3.
Look for Discounts Many insurance companies offer discounts to their customers.
Some common discounts include the following.

• Good Student Discount: If you get good grades in school, some companies will give you a discount on your policy
• Safe Driver Discount: If you have a good driving record, you may qualify for a discount on your insurance rate.
  
• Safe Car Discount: Some companies offer discounts for features that make your car safer such as anti lock brakes and anti theft devices
• Multiple Policy Discount: Some insurance companies offer discounts for having more than one type of insurance policy with them.
  
• Senior Adult Discount: Some companies offer certain discounts to senior citizens.
  

These are just some of the discounts that many insurance companies offer.
Check with your insurance provider to see if you qualify for any discounts that could save you money.
3.
Eliminate Unnecessary Coverage By eliminating unnecessary coverage from yourpolicy you could save money on your car insurance rates.
Each state has minimum requirements that must be met by your insurance policy, but you may be paying for extra coverage that you really don't need.
Some types of coverage that are not required by state law but that may be on your policy include collision and comprehensive coverage.
While these are not required by law, they may be required by your lender if your car is being financed.
Do some research and check with your insurance agent to see if you are paying for insurance coverage that you really don't need.
4.
Complete a Drivers Safety Course Some companies will offer discounts for completing an approved drivers safety course.
Check with your insurance company to see if they would give you a lower car insurance rate for completing a course in drivers safety.
5.
Compare Rates from Other Insurance Companies