If you drive, you need to be insured as it’s the law! So whether you have a great driving record or just a few violations under your belt, you’ll need to have auto insurance coverage.

Following the below simple tips will ensure that you are getting the lowest rates possible on your auto insurance policy:

1) Comparison shop 

It’s important to compare quotes from different insurance companies to make sure that you are getting the best possible rates PERIOD. Many auto insurance companies base their rates on several factors, including geography. Where you live and even how often and how far you drive to and from work, school, etc. will have a tremendous impact on your car insurance premiums. Your age, your past driving records, and what you drive will also have a huge impact on what you’ll pay when it comes to auto insurance coverage. That is one sure insurance exists, to help you save money by allowing you to do some comparison shopping for the lowest rate. We recommend that you get at least three different quotes for comparison. That way you know what you will be paying upfront!

2) Raise your deductibles 

I know what you are thinking, “I’m trying to save money not spend it”. True, nobody likes paying extra out of pocket money for auto repairs. But if you are a good driver, raising your deductibles will actually save you money. You could save a lot by increasing your deductibles on collision and comprehensive coverage. But saying that, the money that you could save on premiums won’t really help if your high deductible prevents you from saving enough to repair your car when it’s needed. So how do you determine what deductible is right for you? Talk to an insurance representative in your area before signing into any agreement. If you don’t ask, you won’t know!

3) Maintain good credit 

Your credit rating may affect what you will be paying for auto insurance, so check your credit rating often to look for errors and report them as soon as possible. The fact is that many auto insurers evaluate risk against credit ratings because they claim that there is a mutual relation between good credit and good insurance risk. The better your credit score, the better your insurance rate will be.

4) Remain a safe driver By being a safe driver, you will help prevent accidents and help save lives. Your driving record also never lies so if you have a safe driving record, insurance companies will see you as a low-risk driver. That means better rates all around. However, if you are a high-risk driver with too many claims on your record, not too many auto insurance companies will cover you and some will even drop you. So driving safely always pays off and in most cases, auto insurers will reward accident-free drivers with a good driver discount too.

5) Drive Less, Pay Less 

The insurance industry is starting to offer lower rates for drivers who drive less. Many companies offer a discount for lower mileage drivers because they are less of a risk to make a claim. So if you carpool to work, let your insurance company know. They just might give you a break.

6) Maintain a clean driving record 

A good driving record will help you save a lot of money on your auto insurance policy. Your driving record can and will affect how much you pay. If you have a clean record with no accidents or tickets during the last three years, make sure that your auto insurance rates reflect that. Call your insurance company to review your historical driving records because when past tickets drop from your records, insurance companies won’t automatically lower your premiums. So if you are not sure about your driving record, contact your insurer.

7) Pick the right coverages 

Too much coverage for your situation may cause you to pay a higher premium than necessary. On the other hand, if you cut your coverages too low you could end up paying a lot if you have a claim or are at-fault in a collision. Think about your limits of liability carefully and discuss with a qualified agent if you have questions.

8) Choose your vehicle carefully 

If you are going to buy a vehicle, look into the costs of insurance. Certain cars and trucks have a greater chance of being in an accident than others. As an example, a larger 4×4 truck or SUV will do more damage to another than a sedan type of vehicle will do. Also, replacement parts could cost a lot more for more expensive models. So always get insurance quotes on a vehicle that you are interested in driving before you buy.

9) Combine policies 

If you are shopping around for a good price on auto insurance, one of the top proven ways to reduce your auto insurance is to combine your home and auto insurance together. Many insurance companies will provide a discount on your auto insurance rate if you insure your car and home within the same insurer.

10) Take advantage of discounts 

Make sure you are getting all of the discounts that you can from your insurance company. If you’re a student, have safety features and anti-theft features on your vehicle, or have taken a driver’s defensive course, chances are that your insurance company will offer you a discount on your insurance. The key is to let them know!

The auto insurance company may offer these and other valuable discounts, but they don’t always let you know about them upfront.