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Find the lowest auto insurance premiums.

Buying auto insurance doesn’t have to cost a fortune. Many auto insurance companies offer discounts on insurance if you meet certain criteria. Everyone knows that good drivers get cheaper auto insurance, but there are other discount types you may not be aware of. Some of the most common auto insurance discount types include:

· Marital status. Insurance for married couples is cheaper than insurance for a single person.

· Type of car. If you drive a luxury or sports car, expect to pay higher insurance premiums than someone who drives an older vehicle that’s not as attractive to car thieves. However, a good car alarm will lower your auto insurance bill substantially.

· Intended use and yearly mileage. This discount is just common sense. The less you drive your car, the less likely you’ll be to have an accident. Daily commuters can expect to pay more for auto insurance than someone with a vehicle that’s only used sporadically.

· Driver responsibility. Auto insurance companies believe that people who are responsible in other areas of their lives will be conscientious drivers as well. Students get a discount on auto insurance if they have good grades. People with good credit can expect to pay less for auto insurance than someone who has just filed for bankruptcy.

Even though many auto insurance companies offer the same types of discounts, the amount you can save often varies substantially. Before you choose an insurance policy, take the time to do some comparison shopping. Get quotes from at least three different companies to make sure you’re getting the best deal.

Consolidating insurance policies is another good way to save money. If possible, buy your auto insurance from the same place as your health or home insurance. As a loyal customer, the insurance company will be more likely to offer you better rates on your policy.

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