Affordable auto insurance rates: It's really very easy for everyone to buy the right coverage for a lot less. The two things that stand between you and attracting a cheaper rate at the moment are relevant information and a resolve to make use of the information you get -- Period. Let's get into the tips you need to attract more affordable rates...

1. Do your best to install theft-deterrent devices in your car. The risk of theft is an important factor that goes a long way to determine your rate. And since these reduce such a risk, you'll attract a good discount for them. Thieves will think twice before attempting to steal a car with anti-theft devices.

2. Add-ons like towing raise your premium without giving you as much value as using a towing service. By the way, your credit card might already offer this as a benefit so check.

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

3. Policyholders who do NOT make claims for up more than 3 years get a No Claims bonus. Those who understand how to take advantage of this often handle very minor repairs and fixes and so easily become eligible for this discount.

Handling little fixes on your own will help you save more as you'll get a big discount.

4. Take it upon yourself to ask your agent about all the discounts possible with with your present insurer. There is a possibility that your agent did not remember to tell you about some.

You'll know simply by telling your agent that you want to know if you have been told about every discount there is. Don't be shocked if you discover one or two that you've not heard of.

5. Given similar circumstances, an insurer will give a female driver a cheaper rate than her male counterpart. Married couples can take advantage of this by having their cars insured in the lady's name with the man as the secondary driver.

If your ego won't get in the way, this would reduce your family's auto insurance rate.

6. Doing business online is cheaper and more efficient. This also applies to buying and selling auto insurance. Expect to save up to 15% (when compared to what you'll pay if you went to a physical office) if you get your quotes and buy your policy online. This makes it obvious that you'll save a lot more if you buy online.

But do ensure you do NOT present false information. Insurers are mandated by law to cancel any policy once they can prove that the policy holder gave false details.

And also verify from your state's department of insurance that they you're buying from a reputable company that's licensed to sell this policy.

7. You can get lower quotes on auto insurance today by visiting at least five insurance quotes sites. Each site will require about 5 minutes or less to obtain quotes. It's as simple as that. However, you could make savings hundreds of dollars.