Take your time: If you want to keep the price of insurance on your auto at the lowest possible level to take your time and be safe drivers. This may seem obvious but the worst thing you can do is demand that there be at fault or a speeding ticket. Most speeding tickets and accidents happen when a driver in a hurry.
Give yourself enough time. Away from the phone. Not the text. Do not play around with your GPS. Spend an extra minute. Can save more than a few hundred dollars of insurance on your own car. Could save someone's life.
View your credit: Most auto insurance companies use the customer credit history or credit score when determining their insurance premium. Research has shown that drivers with good credit or credit score high number of responsible, careful, and less likely to sue. In turn, having bad credit or a low score tells the auto insurance company that you are under financial pressure and are more likely to take risks. One of the worst things you can do is to stop paying bills for car insurance - even if you're getting ready to switch companies. Missing payment or allowing the passage of your auto policy does not put you at risk if you have an accident, can lower your credit score and make it more expensive for auto insurance in the future.
Shop around: The cost of auto insurance can vary by hundreds of dollars or more from one company to another to cover himself. Every car company is working differently. Some sell directly to consumers. Other companies use agents and brokers who get to pay additional fees or commissions. As rates vary, and therefore not the level of features and services. While the company include emergency assistance on the side of the road at no extra charge, while others give you the policy of bare boned and a little more. Only because the insurance company on your own car and gave you a better rate a few years ago does not mean they give you the best rate now. To make sure you get the price and quality you deserve, you must secure at least three quotations from three different companies every three years.
Source:http://joysoft.net/378/techniques-to-maintain-a-lower-auto-insurance-rate
