Accident-Free Driving Record This, more than anything else, can put you in the preferred customer status, which converts to less you will pay for your insurance premiums.

No Moving Violations This, also, make you a prime candidate for reduced rates with most car insurance companies. Not only does being “ticket-free” save you money insurance companies are confident that it will save them money.

At times, being willing to take a Defensive Driving class can prevent a first moving violation to go against you.

Non-Smoker There are many good reasons to be a non-smoker. Financial savings happen to be one of these – both at the machines or stores, as well as when trying to lower your car insurance premiums.

Driving Classes Some insurance companies offer rate reductions for certain Safety Driving or Defensive Driving classes. For students this is certainly something to inquire about due to the increased car insurance rates for younger drivers.

Determine Car Usage Your car insurance quotes can be less depending on how you list the use of your vehicle(s). If one of your vehicles is used only occasionally, or only by a certain member of the family (mom, granddad, not a teen-ager) you may well be able to get a reduced quote for that car.

If you have special circumstances, such as working out of the home, are disabled, or retired, you can likely pay less for car insurance than if you are using your vehicle driving to work daily.

How you use your car or truck can affect your rates.

Multiple Policy Discounts Many today have different insurance with different companies – life insurance or home insurance with one company and car insurance with another. This may be necessary, but do not assume it is. It is good to ASK if a company you may be dealing with now has discounts for multiple policies.

Never assume your insurance provider would tell you if this is so – remember they are in business to make a profit. The more they make in premiums the greater their profits. You, however, when shopping for car insurance quotes, are in business to save money – your hard earned money – and you can often do this by sometimes being bold, even persistent and ASKING questions.

“Ask and you shall receive.” Your home insurance agent, while giving you very good protection for your house simply may not offer car insurance, so they may be unlikely to tell you that you could possibly save money by moving your home insurance policy to a company that offers both home and car insurance.

These are just a few tips that can assist you when shopping for car insurance quotes. It is said: “Advertising does not cost, it pays.” Insurance can well be viewed in the same light – in the event of an accident you want to be confident that since it did cost, “it pays.”