1. Provide as Many Details as Possible - Give the insurance company as many details as possible, such as your zip code, marital status, mileage, and car safety features. Providing this vital information will help the insurance company give you a more exact quote. By default, your rates could be higher if you only provide minimal details about yourself and your car.

2. Increase Your Deductible - Normally, a higher deductible can lower your monthly or annual insurance premium. Raising your standard deductible, say from $250 to $500 can save you hundreds of dollars in your premium. This can be a double edged sword if you’re a high risk driver. Consult with your agent to see if this is a good option for you.

3. Decrease You Daily Driving - Most insurance companies will offer a discount for individuals who drive less than 40 miles per day. Consider flying, taking a train, or the subway to commute to and from work. Not only will you save on wear and tear and gas for your car, your insurance company will thank you by lowering your premium!

4. Add Anti-Theft Devices - This can be a quick way to reduce your insurance premium. Car installed with anti-theft measures are less likely to be stolen. Car insurance companies pass these savings onto you and everyone wins. Some companies offer larger discounts than others, so be sure to check with your agent about this.

5. Drive a "Safe" Car - Sports cars, luxury sedans, and old beaters with bad brakes will all get punished by your insurance company. Cars that are kept up on maintenance have airbags and seatbelts, and a mild engine all get rewarded. If you want the absolute lowest rates, make the smart choice and purchase a safe car.

There are many factors that can affect your online rate. If you want the lowest rate, be sure to follow these 5 simple tips, and consult with your agent for more ways you can save on your car insurance.