Are you looking for auto insurance and overwhelmed by the number of options you have to choose from? Afraid of paying too much or getting inferior service that wont come through when you need it? Read on for some simple tricks to choose an affordable, reliable auto insurance company. The year and options on your vehicle will play a large roll in how much your insurance premium is. Having a newer car with lots of safety features can save you some, but if you have it financed you will also have to pay more for full coverage. The majority of people think car insurance rates for young drivers will drastically decrease as soon as they turn twenty-five. The reality is that rates start going down around age 18 as long as it is a safe driver. If you are a senior citizen and you own your car but dont drive very much anymore, then you may be able to save on automobile insurance. Consider insuring only the main driver of your vehicle. If this person has a good driving record then you can get a much lower rate. If you are married, you can drop your monthly auto insurance premium payments by simply putting your spouse on your policy. A lot of insurance companies see marriage as a sign of stability and assume that a married person is a safer driver than a single person, especially if you have kids as a couple. When it is possible to do so, try not drive your car. In many states, the premium amount is based on how many miles you drive each year. If you do end up driving less, make sure to call and let the insurance know so that they can lower our premium rate. Do not be afraid to do some comparison shopping for the best automobile insurance policy. There are websites available that make the process of searching through the different companies quick, easy and efficient. You may be surprised by what another company can offer you in terms of cost. To streamline your insurance needs and get the best 1 day insurance possible rate on several different insurance types, consider combining your auto insurance, home insurance and life insurance under one company. The more policies you have with a company, the steeper your overall discount will be. As an added bonus, this also means only one bill to pay at the same time every month. If you are a man, you should be prepared to pay more for your car insurance. This is because, statistically, men are more likely to have accidents. If you are a married man, however, the agencies tend to believe you are more responsible. Make sure that you re-evaluate your policy if you change your marital status. Shopping for auto insurance often feels overwhelming to many people, but it need not be a stressful experience. By taking the time to educate yourself on auto insurance and the many options available to you, you will be able to make the choice that is right for you and your needs.