How to Lower Your Auto Insurance Rates

Auto insurance companies all have their own way they calculate your rate, but here are some general ways they calculate your rates & ways you can lower your rate.

* Your driving record - A way you can have a better driving record is to drive slow, always be alert, and don't get in any accidents.

* Where you live - People living in cities have a higher rate, so you may want to consider becoming a farmer and moving to a small town.

* Your age and gender - Not much you can do about your gender and not much you can do about your age. The good news is the older you get, the lower your rates will be.

* Your marital status - It's been shown that single people file more claims, thus married people have lower rates. You can start looking for a wife or a husband and you can get lower rates.

* Prior insurance coverage - Pay your insurance bills on time and don't get cancelled for non-payment. This can effect your rates in the future.

* Vehicle use - The more mileage you have on your car, the higher rates you will have. So you may want to consider car-pooling to work or taking public transportation.

* Your type of vehicle - It's been shown that sports cars and luxury cars file more claims, and more expensive claims. You want to drive a safe car, but you may want to consider driving a vehicle not so high profile.

Maybe not all these tips are practical, but the best advice is most likely: Shop around and compare auto insurance quotes. Keep the auto insurance market a competitive place and reward the most affordable company with your business. Also be sure they are a reliable company.