1. You'll lower your auto insurance rate if you have an excellent credit rating. Having a bad credit history is simply making it difficult for yourself in addition to the fact that your premium will be much more.

There are many reasons for this but this one ranks high among them: If you have a poor credit rating then it could only mean you have defaulted in payments at some points. This implies more risk to them and more expensive premiums for you.

2. Insurers give customers who have remained loyal long term discount and accident forgiveness.

Depending on the insurer, you'll be eligible for a discount of 5% once you've stayed with them for between three and five years.

The accident forgiveness discount means that your insurer will not raise your rates if you file just one claim.

Insurers offer these as incentives to keep you with them since it serves them better too.

Be that as it may, just bear in mind that some people will be better off if they switched to another insurer notwithstanding the many discounts given to long term policy holders.

Supposing your auto insurance rate with your current insurer is $2,700 you'll get a discount of about 5 percent or $135 if you stay for at least 3 years.

But we can almost say with some assurance that because of inflation your premium might not remain the same. But while you're at it, some other insurer could be ready to offer a rate of $2,500 or less within that period.

Then it would be anything but wisdom to stay put because you want to qualify for a discount down the road even if the expected discount is less than savings you'll get immediately if you change to another insurer.

It's a sure fact that most people can pay a lot less with another insurer if they'll only take the time to shop properly. The quoting process is quite very easy online so you really have no reason to NOT take advantage of any low offers out there.

3. Are you aware of every discount that your insurer offers? Since agents too are not above mistakes they might not remember to tell you about some discounts you are qualified for.

The only way to ensure this is not true in your case is by taking the time to ask your agent to list out all discount that your insurance provider gives. You might be astonished at discounts you've not taken advantage of.

4. Marriage is something that will do your auto insurance rates a world of good. This is true even though you can't just go off to marry just because of this.

Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married.

Insurers will tell you that their records show that married people make fewer claims. Furthermore, when they do make those claims, they usually cost less on the average than those married by their unmarried counterparts.

5. You'll save if you exclude rental car coverage from your policy. Do this unless your credit card provider does not offer you the benefit of rental car coverage. This is because most credit card companies add this as an additional value for all those who use their cards to rent a car.

Therefore, to ensure you do NOT pay more for unnecessary coverage, check.

6. You will save much by visiting not less than five auto insurance quotes sites. That way, you'll increase your chances of getting the lowest quotes possible since you'll cover many more insurers.