You can change some things that affect your insurance cost, while other things are fixed and cannot be changed. Asking for a higher deductible can lower your premium. This article will guide you through the different variables and options that will lead to your getting the best price you can on automobile insurance. You should comb through your insurance options carefully. Every insurance company will use a different formula to give you a price, usually based on your driving history and answers to questions. You can save a good deal of money by consulting with several competitors. Know the limits of your insurance coverage before you install valuable aftermarket parts on your automobile. Many times, insurance will not cover these parts, but only the amount that they add to the entire worth of the car - which may not be much. If you want to continue to have affordable car insurance, dont let your coverage lapse. It is easy to let your insurance coverage lapse when you are transitioning to a new insurance carrier. Insurance companies do not like gaps in coverage, and they will raise your rates if they find out. Lots of people hold the false belief that insurance rates magically drop at 25. The reality is that premiums steadily decrease once a driver hits 18, so long as he doesnt have any accidents. To keep your insurance rates low, pay on time and never allow your auto insurance coverage to lapse. You may experience breaks in your coverage when you switch carriers or policies. As soon as insurance companies become aware of a lapse, rates go up. Lower your mileage by using public transportation or joining a carpool. Insurance companies are very happy with responsible clients. Letting your agent know that you carpool or ride the bus may help him or her find you a discount that will reduce your premium. If you have car insurance, you should have a good driving record. No one event will boost your insurance rates like a collision will. Take into account any limitations you have that can adversely affect your ability to drive safely, such as the need to wear corrective lenses. In addition, try to steer clear of risky situations that can result in an accident. For example, if you dont see well in the dark, then dont drive at night. Dont buy your teenager a car of his own. Have the teenager use a family car instead. Putting a teen on your policy is much cheaper than getting them separate insurance. If your teenager is on honor roll, it might be good enough for a discount. If you have tickets on your record, you can pay more for your car insurance. Thankfully, once they are expired and taken off your record, your car insurance costs classic car insurance classic car insurance under 21 will decrease. When they go away, you can get some other quotes. The history of your driving record will play a huge role in the price of your car insurance. When they expire, though, your insurance rates will go back down. When your driving record is clean again, you may want to get some updated quotes from insurance companies. Driver who put fewer than 7500 miles on their car per year often receive generous discounts. Driving your car less is one good way for a person to lower the cost of their auto insurance. If you drive less than 7,500 miles annually, you may be eligible for an insurance discount. If you can lower your total mileage then you can save a significant amount of money on your insurance. Show your insurance agent any lower rates you find from competitors. A repeat customer is valuable in business, and your current agent is likely to cut his or her own quotes to match others and keep you on board. By now, you should realize that there are a number of ways to reduce how much you spend on auto insurance. Your location, your driving habits, and how responsibly you drive are all under your control. By understanding how these factors can increase or decrease your driving risk in the eyes of your insurance company, you may be able to reduce your rates.