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If you follow the rules your insurance company sets out, and follow these few tips, you'll be able to obtain affordable auto insurance with no problems. Insurance providers look at several things to decide a driver's rates.

If you want to reduce how much you pay in insurance, make an attempt to use your car less. The majority of cheapest car insurance for young drivers companies offer a discount for drivers who log less miles.

You need to maintain a clean license. Any accidents or tickets will drive up the cost of your premiums. If you can't avoid these things, try lowering your rates and cleaning your record through traffic school.

The kind of vehicle you decide on will be a huge factor in the cost of insurance. If you can't be seen without a Lexus or a BMW, you'll pay high premiums. Choose something nice, safe and reliable over a flashier option to save big on insurance bills.

If your budget can handle it, try paying your auto insurance in full. It is common for insurance agencies to add around $4 to a monthly bill. These fees can add up over the year. With everything else you pay, this can become a strain. The fewer payments you make, the more money you save.

Purchase property damage liability when you buy your car insurance. This can cover any damaged caused by your car during an accident. The majority of states require drivers to carry this coverage. If you are even involved in an accident, property damage liability can protect you from losing a large sum of money.

Geographical location can have either a negative or positive affect on your insurance premiums. Rates change across locations due to factors like local accident rates and theft statistics. Urban areas also usually have higher rates than suburbs and rural locations.

Look into the coverage you have on your automobile insurance policy, and see if there is anything you can remove. For older cars, it is not really important to have collision insurance. By dropping this coverage, you can significantly reduce your monthly premium. You can also consider dropping comprehensive and liability coverage.

Ask your auto insurance agent for a list of discounts offered by his company. Go through the list of discounts to be sure you get every one that applies so you save money.

If you pay several policies with one company, you may qualify for a discount. You should talk to your agent about insuring your home and car together. Do the math to be sure that the premiums are low enough. If they aren't, you may want to consider buying two separate policies.

There are wide variations among insurance carriers. If the premium that you are quoted seems high, check out the rates at some other insurance companies before you make your decision.

Inform your insurance company about driver changes in your household immediately. The number of drivers on your insurance policy will make a difference to the premium amount.

Before you choose a new car, think about the impact on your insurance premiums. Remember safer car choices are viewed more favorably by auto insurance companies. Sport cars tend to lack the safety that bigger family cars have. Don't forget to account for this expense when you're drawing up the budget for buying a car.

You may be able to get a lower rate if you feel the rate you received based on your record was unfair. Some insurance companies allow you to reduce your rate after completing a course that addresses tickets or accidents. Today's technology also allows some insurance companies to install an electronic chip in your vehicle that will track your driving. If the chip records safe, responsible driving habits, your insurance company will lower your rates.

As you can see, you can afford good auto insurance if you do your homework. With the proper information in hand, it is possible to lower your insurance premiums.