Here are a few automobile rate saving tips:

1.Arizona Department of Insurance: Visit the state insurance website to find out which insurers are licensed to do business in the state. There are also tips on what companies can and cannot do and pointers on how to reduce your rate.

2.Before buying a vehicle, speak to a few insurance agents. The cost of to insure the cute little red speedy sports car may be prohibitive. Since the car has to be insured its best to know before you sign on the dotted line and purchase a car whether or not you can afford to insure it.

3.Bundle your coverages: If you have a homeowners policy or renters policy, submit your automobile underwriting information to the same company. Insurance companies offer what is called a multi-line discount for providing several lines of insurance.

4.Drivers Education. Take a safety driving class. This will serve to shave a few dollars off of your premium. However, prior to taking a class, contact the insurance company. Make sure the institution and the class is one that is approved by your insurance company.

5.Deductibles: Get quotes using various deductibles. Try getting quotes using deductibles $250, $500 and even $1,000. If you can afford to pay out of pocked what ever the higher deductible requirse, you will realize a premium savings.

6.Good Grades: Young Drivers are expensive, but if they are in school and have good grades, you may realize a premium discounts. Many insurance companies offer discounts if a student maintains a grade of B or better.

Always shop around. Be sure to provide the same underwriting information to all of the carriers to ensure that you're comparing apples to apples.