There are several ways you can lower the cost of your auto insurance, by taking a few moments to look at your situation you may be able to lower your cost without compromising your insurance coverage.
When you shop for insurance make sure you do not seek out a policy for price alone there are factors that you need to consider that will save you money and offer excellent coverage.

1. Before you purchase you next vehicle or your first vehicle take some time to research how much it will cost to insurance it per year.
   Also check to see if there are any discounts offered for autos that have safety features that reduce risks.
   
2. Look into changing your deductible; you can reduce your comprehensive and collision by increasing your deductible.
   
3. If you have an older vehicle the value of the vehicle might not be worth the cost you spending per year to cover the replacement or the repair of it.
   
4. It would be wise to have your coverage for your home, life or renters combined with your auto insurance because many companies offer multiple policy discounts, this can be a huge yearly savings.
   
5. Stand guard on your credit history because many companies are gathering information about your credit history and may affect how your policy is priced.
   Pay your bills on time and do not use more credit than you need, also keep your credit balances as low as possible.
   
6. Your daily commute to work or your driving habits may affect how your policy is priced, so if your daily commute to work is low and your yearly mileage is very low you may be able to get an additional discount from your insurance provider.
   
7. Ask your employer if they get any type of group discount through your company.